Credit Issue

I think it’s the general cases that everyone has a credit line and credit ranking for every person he/she knows.
Sometimes we chose to trust someone by no reasons cause’ his/her credit account still got a large surplus of “TRUSTWORTHINESS”
Recently, many people I know they just make their credit rating downward and I really hate the feeling that I have no choice to take credit crunch or credit freeze methods to their account. That’s really said about recalling the good things they have done.
It’s really hard for me to deal with it lately, cause’ I just don’t want to put me in a risky situation but I think we should treat people more lenient.