[Karen37a]

I was once told by a smart underwriter, every C and D paper file is a default (meaning they defaulted / lowered payments on someone in the past) you just don't see it..

The point is, a lot of our merchants come around, pay off, struggle, pay off, and need more funds, all the time.
Once a merchant is paying us, others will also fund after us.

I can see it...and judge people based on what happened on the credit

Medical Collections is not the same as closing down 10 credit cards and skipping off with the money...

I can tell they are one step away from debt relief and bankruptcy

So to each their own...everyone learns and does business the way they want to