Looking back at the last 20 years or so, it's never or almost never happened to me, and when it happens twice within a year or two, I wonder if it's more than c

Looking back at the last 20 years or so, it's never or almost never happened to me, and when it happens twice within a year or two, I wonder if it's more than coincidence...it makes me wonder if there are economic forces tightening credit.