Great stuff. And all true. Why bother asking "how's your credit?" on a non-credit driven product? You'll find out later how the credit is - when you get the app in. You're supposed to be talking about what's in it for THEM to apply. Asking about their credit is more of a "What's in this for ME?" type question. Don't worry about wasting 10 minutes talking to a guy that may not be qualified.

Any conversation is good, and can be profitable. Have something to offer every client, even it its digital literature for $99.95 on the FCRA rules for cleaning up your credit. Who cares. Sell them something valuable and beneficial on every call.