Ksat 12's Gay Commercial's Late At Night

[T Park]

Or, you know, this...

Which could originate from what I posted....

[Johnny_Blaze_47]

Which could originate from what I posted....

I'm not totally disagreeing with you, but there is something to be said about the difference between people who have struggled with credit and people who (through their own fault as well as those of the lenders) got into crazy subprime mortgages.

[Johnny_Blaze_47]

I was going to post this article and I knew there was a thread about Quality, I wasn't going to go searching for it. Thanks JB!

I just happened to come across it a week or so ago while looking for something else, so I remembered it was here.

[byrontx]

The marginal credit market is a good one. T Park is supposing that all challenged credit people are slackers and that is far from true. Medical issues, divorces, or when a good-paying person that experiences a lay-off and extended job hunt are some factors. Not to mention being a non-citizen-they are some of the best prospects, they can be quite diligent about paying bills. Personal reverses can happen to younger people before they have had a chance to build a nest egg to fall back upon or it can happen to older people that find re-entering the job market too tasking for the savings they have ac ulated. That doesn't make them slackers and, if they are on the rebound, they aren't necessarily bad risks.

I am sure the folks at Quality knew their business well but it is a puzzle. I think I could have lined them up with a finance source. It may have involved some changes in their business model.

[T Park]

I'm not totally disagreeing with you, but there is something to be said about the difference between people who have struggled with credit and people who (through their own fault as well as those of the lenders) got into crazy subprime mortgages.

There is.

I'm not disputing that. But having a "bad credit? Thats cool" Policy is ok, if you anticipate someones gonna stiff you.

[T Park]

The marginal credit market is a good one. You are supposing that all challenged credit people are slackers and that is far from true. Medical issues, divorces, or when a good-paying person that experiences a lay-off and extended job hunt are some factors. Not to mention being a non-citizen-they are some of the best prospects, they can be quite diligent about paying bills. Personal reverses can happen to younger people before they have had a chance to build a nest egg to fall back upon or it can happen to older people that find re-entering the job market too tasking for the savings they have ac ulated. That doesn't make them slackers and, if they are on the rebound, they aren't necessarily bad risks.

I am sure the folks at Quality knew their business well but it is a puzzle. I think I could have lined them up with a finance source. It may have involved some changes in their business model.

Never doubted that a bit.

I don't think having to have good credit is "racist" or prejudice, it should just be a standard of common sense.

[Johnny_Blaze_47]

There is.

I'm not disputing that. But having a "bad credit? Thats cool" Policy is ok, if you anticipate someones gonna stiff you.

Does Chop look like a guy who'd around with non-payment?

[squire]

I'm not totally disagreeing with you, but there is something to be said about the difference between people who have struggled with credit and people who (through their own fault as well as those of the lenders) got into crazy subprime mortgages.

Chop,

No one is going to say this because it's politically incorrect but it's the people's fault they took the money. In the end, that's all that matters. You - Joe Sixpack - took a loan you knew your ass would never make in 45 years of selling SubQuality Suzuki's. Lending ins utions should have never put that porkrib out there so I'm not saying this economic mess isn't there fault but when people are ing about the loans they took themselves that's just making excuses.

The world isn't fair. Some people are going to screw you. Some people might eat your lunch. Some people are going to steal your money. Some people are going to put you in a bad spot. By the time your 18 and ^ you better get smart and know what you're getting into. If you don't, it's on you and unless you've got some magic parashute like your parents or friends it's game over.

Chopper Style