Here is my true story: How Chickens & Credit are alike!
Many years ago my husband was still active duty and was stationed at Ft. Campbell, Ky. So I followed him to Tennessee; yes Tennessee, Ft. Campbell is half in Kentucky & half in Tennessee. We rented a house in the country and as a city girl who loves animals; I started to collecting rabbits, dogs, cats, goats & wanted chickens. Now remember I am a city girl, a local friend said you can buy chickens by mail and gave me a catalog. This was a first for me and I chose the cheapest way to buy 50 chicks. Later I found out why it was so cheap: because the hens & roosters were mixed with no guarantee of how many roosters were in the batch. As my babies grew, I found I had 40 roosters (boys) & 10 hens (girls). A local farmer, let's call him Farmer Joe, drove up to my house to visit because I had told him that my chickens were not laying eggs. As he drove up, all my hens (girls) ran into the woods, which left 40 roosters in the yard. Farmer Joe got out of his truck and looked and looked and looked but all he could see was my 40 roosters in the yard! Farmer Joe squinted his eyes, rubbed his chin and shook his head. Farmer Joe, knowing that roosters do not lay eggs and did not want to hurt me, said " I see why you don't have any eggs those are eating chickens" he then tried to explain that I needed hens (girls) for eggs. I smiled because of his kindness and did not tell him that I was a city girl but did know the difference between hens & roosters.
How does this apply to credit... many realtors & lenders will look at a credit report and see bad credit (roosters) and not ask the question, is this correct or look for more good credit (hens). Many people will be turned away and told that they cannot buy a home. By asking the right questions many times you can turned low credit scores into credit good enough to buy a home. So instead of saying no at first glance... ask a few more questions and then maybe you won't have to eat chicken soup!
Thanks I hope you enjoyed my story. have a great day!
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Let me be your friend in financing! Brenda