Hard to believe it can happen!

http://www2.timesdispatch.com/business/2010/nov/20/b-harn20-ar-665561/

If you are in the market to buy, sell, or refinance your real estate, be aware that the current state of our economy could have a negative effect on your credit score without you having to do a thing. You may be in good standing with your creditors, practicing safe financial discipline, and POOF your lines of credit are cut, ultimately killing your credit scores!
Today's lending institutions have their hands tied regarding how much they can lend and to whom they may lend to; anyone with "less than perfect" credit will have a tough time getting a loan or refinancing their existing loan and that is a fact. The above article discusses legislation hoping to stop this plague, and for everyones sake, let's hope they are successful.
Be sure you know where you stand by taking advantage of annualcreditreport.com or calling (877) 322-8228. These resources allow you to obtain a free credit report once a year without hurting your credit scores.
And of course, please do not hesitate to contact me for further assistance and I can put you in touch with a leader in the lending field. Thanks!