You're right, and I think a lot of people just assume they won't be able to qualify....so they don't try.
This is OH SO TRUE and definitely something I plan to blog more about this month. There are great tips and tools to help with no-to-perfect credit and many lenders (like me!) can even offer financing with a score under 600.
Karen it is amazing that people can often improve their credit enough to be approved in just 3-6 months. Sometimes paying off an old small collection item or just paying everything current for several months can make enough difference to get them over the tipping point.