1. Thats about right. Two months ago I had a job and my credit score was 772. I got laid off with no severance or prospects and my score is now 822.

    BTW: nobody wants to hire a 56 year old gray headed man with 35+ years experience. "They can't afford me" as one HR recruiter told me.

  2. Go freelance. Money is good, bennies suck, but at least you don't have to deal with office politics (much).

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