[Chambo]

There have been a lot of great points made on this thread, from KTK's point to JoTuck, everyone has made some really great points. But at the end of the day (in my opinion) it really comes down to two things. 1. There are enough options out there that you don't need to have your credit pulled to work with someone who gives the best approvals. 2. It is a personal comfort thing, as much as they want check me out as an ISO it's none of their business if I am behind on my student loans etc bc that doesn't make me a better or worse ISO/broker/rep.
My reputation as someone who follows ethical business practices will carry the day and make me successful in this space, regardless of if I went into default on a CC while I was at university.

if you ARE behind on your student debt (though I would be surprised to hear that form YOU andy) you might make a GREAT ISO,....because you are hungry and in need of cash

If you are living off of your trust fund or bahmitvah money, how aggressive are you really going to be?