Even though you may not have a sub prime mortgage or unnecessary debt.

But the current credit crunch may very well still affects you for the reason that every financial institute that is still running a business is paranoid about lending money to anyone.

Thus, they are taking away credit limit that is available to you previously, and all of a sudden, your credit limit has shrunken and it affects your credit score.

How else does it affects you, see what Suze Orman has to say about how the credit crunch is affecting you.