[J.Celifarco]

True, to some degree. The first timers are usually cost sensitive. But it all boils down to their level of urgency and the options they have (or lack thereof). Closing a first timer with 550 credit and a few judgements is pretty simple.

fair, Honestly though recently 650 credit with cleanish banks and off industries seems to be what I am seeing most.. Life used to be all retail and restaurants, now I am seeing everything and anything you can imagine