The movie doesn't change in any way the bad old days in New York in the 70s and 80s. It doesn't change the bad old days in public housing in the 80s and 90s. It doesn't change the bad old days in how people with bad credit can be turned down for home loans. It doesn't change the bad old days in how people with bad credit can be turned down for credit cards. It doesn't change the bad old days in how people with bad credit can be