1.   Bankruptcy leaves a consumer with a tarnished credit record for years.

2.   Equicredit makes home equity loans to customers with tarnished credit records.

3.   Recipients typically have either a tarnished credit history or none at all.

4.   Such lenders prey on the most vulnerable, they said, seeking out customers with tarnished credit and job histories, and few other places to turn for cash.

5.   The company is best known for selling cards to people with tarnished credit records.

6.   To avoid major money troubles later on, you also need to polish your tarnished credit record.

7.   It lost millions on risky, high-rate mortgage loans to borrowers with tarnished credit.