Failing to spot one credit bubble is unfortunate, but missing two of the biggest credit bubbles in history within a single decade suggests the problems are more than bad luck.

FORBES: Rethinking Credit Ratings

It is not just a matter of missing the credit.

FORBES: Couple Denied Homebuyer's Credit - You Are Not Your S Corporation And Your S Corporation Is Not You

However, around 1.5m pensioners are missing out, the result of not claiming Pension Credit even though they are struggling on low incomes.

BBC: Cold weather triggers cash help