Non prime credit right now may be obtained quite easily and by no fault of your own. Sure there are instances of fiscal mismanagement and job loss although the world is suffering from an identity theft epidemic as well. What used to be an uncommon point at this point it's something that has happened to you, a friend, or perhaps a family member no less than on one occasion. Stealing a credit card number making purchases is but one element, however, the trail left behind from someone who safely and effectively used your social security number are usually rather long and hard to eliminate.