Dave, my "end" has nothing whatsoever to do with it... it has everything to do with the Lenders Criteria.
We live in a world of credit... wise people use credit, but use it wisely.
I've never claimed to be an expert, but I don't live in a credit world because I don't owe anyone a dime, I don't use credit cards, and I can still get my hand on an awful lot of money if I ever chose to borrow (which I don't).
It is irrelevant what you think. What matters is the TRUTH.
