74. visitor:

All good comments, and things to think about. That’s why when facing a decision like this, someone is needed who deals with these things to help make sure all bases are covered, pitfalls accounted for.

I’m not at all certain that FICO scores are going to be worth much down the road, maybe even as early as a year from now. We’ll see. It may turn out that so many people will have credit issues that there is no longer stigma of any kind attached to it, and the public universally takes the attitude of “you got screwed, crap happens.” I don’t know.

Personally, I worry about all of it. For some reason, I keep thinking we’re heading for a time when that makes the Great Depression look like a time of plenty and opportunity for all. I pray every day that I’m wrong.