Over the past few months, I've seen a commercial on television from a credit repair company featuring a character named "Lisa". She's a young, attractive, visibly pregnant mother standing in front of a nice house with a nice yard. She confides in the viewing audience that she has a credit score of only 612. With her hands embracing her stomach, she explains her "need" for a loan to purchase a larger house for her expanding family. She complains that her low credit score makes creditors "think" she's "unreliable".