The score won't be directly affected because the economy is slowing down, FICO doesn't know whether or not your friend lost their job or had a decrease in income. They just know (apparently) that he or she is suddenly using a lot more of their available credit. The credit score is supposed to be a prediction of how likely the person will be able to pay a new future loan, so a sudden increase in debt can be a red flag. Someone who suddenly maxes out their credit cards and then applies for more credit may be a higher risk. If he doesn't want to apply for new credit, just ignore it and the score will go back up as the bills get paid.
