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My husband and I have had a really hard time paying our bills ever since I lost my job last year.  I have been trying to find a new one, but am not having any luck.  We have been late on all of our credit card payments, which has made our credit score drop a lot.  Now that we have bad credit our bank, we have fewer options available when we need money.  Last month our air conditioner went out and we didn’t have the money to call a repairman.  Fortunately, my husband went online and found plenty of places that offered loans for people with bad credit.  We were able to get the air conditioner fixed with the money we borrowed.