... the company that developed the FICO score. Even in such a circumstance, he said, a 50-point drop is unlikely. Candice Choi AP Personal Finance Writer New York Have questions of your own? Send them to newsquestions(at)ap.org.

... been irresponsible. "There just has to be some accountability. Nobody is bailing me out. I had to work very hard to keep from bankruptcy and foreclosure," she said. AP Business Writer Candice Choi in New York contributed to this report.