I have had 1 bankruptcy from a failed business.
That's one thing I hope never happens ta me.
I know many people it's happened to.
Fucks yer life up badly.
While I understand that sometimes life's obstacles & bankruptcy can't always be avoided but at least gotta try.
Had some rough scrapes with near debtor prison but managed to escape.
Next year I should be in the 750 range once a bad debt falls offa the credit score. Maybe not stellar but still acceptable.
Person needs credit these days just ta survive eh.