If there is a moral issue you have with fixing your credit profile for funding, you may want to wait until the inquires fall off. 

I don’t want to be out even more money with lawyers fees but because of the morales of it and you are right they need to be held accountable for illegal practices and in-competence.

Originally posted by @Nicky Reader:The "morality" argument is completely up for interpretation, and I interpret morality much differently.   

This is not a crime of moral turpitude so I doubt they would deny your application for that reason alone. 

So as long as you aren't doing anything deceptive or morally wrong and fully intend to close then I say win the contract how you see fit.

One thing the military has instilled in me is great ethics and morals.

Realtor said $25K was spent in rehab.I guess the moral of both stories is you win some and lose some but nothing is a slam dunk.

@Denny RobertAs a pastor, I have thought about this on many occasions, as we look at the verse often quoted by anti-debt folks "borrower is slave to the lender" notice this is a statement of fact not a moral or theological pronouncement.

The city also couldn't keep pace with mass retirements so with diminished numbers and morale crime has steadily risen.

Talk to her and see if she has problems with your plan from a philosophical/moral standpoint.