[ridextreme]

That depends on the leads people are calling.

It's not only based on the leads, some people are just horrible at talking with people (instead of "at" them). I have heard countless times a rep gets someone on the phone that is interested, but they blow it because either the merchant doesn't like their personality when they talk condescending to them or the rep would scare them off by asking all the wrong questions such as "How's your credit" "Any history of tax liens or judgements?" "Any NSF's?" "Any negative days?" A minute ago they said they needed money, then all of a sudden they're not interested. So all this does is scares them away thinking they can not have any of this. We're gonna check all this anyway, why ask to scare them off thinking they won't qualify?