One of the ways you can keep up with the world is read all of your e-mails.  I don't think I have bad credit.  I do not have mortgages on my places of residence.  And my payments are up-to-date on my American Express and Visa cards.  Still I get solicitations such as the one below at least once or twice a week.

Secured Credit
A Credit Card for People with Bad Credit
New Millenium Bank
2 Wisconsin Circle, Suite 700
Chevy Chase, MD 20815 
Attn: Customer Care