Originally Posted by Rochard

I am fine with this.

The recession destroyed the credit of a lot of people. I have friends who did nothing wrong, but both husband and wife lost their jobs, lost their homes, and couldn't pay any of their bills.

Having bad credit doesn't mean they cannot afford a home. And the entire "credit system" is a fucking farce anyhow - You can have perfect credit but then you loose your job and suddenly four months later you cannot pay any of your bills.