J.Celifarco is dead on with this...great advice. If you or your client are uncertain about the clients score then send it to an A lender if industry permits. Lenders like Quick Bridge and Ondeck are great about telling you exactly why it's a no go. QuickBridge goes as far as to itemize and even tell you client has to many collections. This info now gives us the opportunity to know exactly where to go with the file and to also prepare the client on a much higher factor rate.