Era of easy credit apparently over (The State)

Adrian Clark, a St. Louis-area steamfitter, recently went 10 dealerships looking for a car to commute to a new job. But every one offered a variation: Without $1,000 for a down payment, no loan. “It’s just rough times right now,” Clark said. “Rough times.” For Clark, and for a nation of consumers heavily dependent on credit, there are growing signs those rough times could prove to be more than ...