Frustration with general credit mentality

[Alina Nicol]

Day in and Day out I get people calling me for help. They want to buy a house. I have them send me a credit report and although I'm obligated to help I can't help wonder what these people are thinking. Back to back collections and late payments to date. So WHY? Why when it is obvious that a person cannot manage to pay on time payments on a car loan for a couple hundred dollars or less than $100 on a credit card, do they assume they can be responsible enough for a 200k + loan? I offer them a tie frame of when we might be able to get there situation straightened out and they demand it get done sooner like they have room to negotiate.... One lady yelled at me because she had already given her 30 days notice.... like it was MY fault she chose not to pay her payments and destroy her credit. I just don't get people sometimes. First of all... if you cannot make your CURRENT payment.... you have NO business trying to buy a home. :roll:

Needed to vent, I can't stand getting yelled at, especially when the person doing the yelling shouldnt be allowed to breed let alone purchase a home..... who tries to buy a home with a 438 mid fico anyway?