Dan, I like your thinking, but unfortunately, that train of thought doesn't pay the bills for people in this industry. We make sure that the loans are not going to default to the best of our abilities prior to closing. We have to buy the loan back if the person does default, so it's in our best interest to make sure the person qualifies. A score of 535 doesn't necessarily mean the person doesn't have any money. It could mean that a person never got around to rebuilding the credit. It could mean that the creditor didn't update the bureaus to reflect a paid off account. It could mean that the person has one credit card that is reporting late because the payment got stuck in the mail system and the other accounts are old medical collections that DON'T need to be paid to buy a house. It could mean a lot of things, but it doesn't mean the person has no money. If Fire976 pays off any collections prior to going to a lender, he/she will forfeit any chance of buying a house. You really have to know what you're doing when paying off accounts. It's very tricky. I can appreciate your comments because I used to think that way too. But I found out that if I do my job well and counsel the client to my best ability, then why not let the person own a home?