Have you ever had an excellent client, with good steady income, excellent debt to income ratio, ready & willing to get out of renting and into a home. But because of some hardship that had been undergone a few years back, they are held back from doing so because of having bad credit. The hardship happened, they went through it and got back on their feet, only to be tainted for up to seven to ten years.

The adviser to President George Bush on consumer affairs, Dr. Bonnie Gution remarked,