It's not like bad credit is a life sentence. I have had great credit, then did something stupid, lost 175 points, and built it back up in 12 months.

Mine goes up and down like the Dow Jones...just the nature of my work.

Is there some chronic, ongoing problem or just some circumstantial issue, is what I would want to know.

It realy all depends.
3b (with 3c tendencies) on modified CG