Obtaining credit in these financial times

You can obtain and still receive credit in these financial times. First of all don't believe all of the hype. Banks are still lending and credit cards are still being approved everyday. Lenders and small banks have started to lend again.  You need to do some research for yourself. Start by checking your personal credit bureau files from the major 3 credit bureaus.....Experian, Transunion, and Equifax. Next review your report for any blemishes, correct any blemishes if needed.  If your scores are at least 740 or above you are qualified for any type of credit.