[hannah]

The problem is and was that simply getting a FICA score high enough for a mortgage doesn't assure that a mortgage is within their reach regardless of whether they purchased a trade line or not. I am sure that the majority of mortgagees that had sub-prime loans did not purchase trade lines to increase their chances of getting a mortgage. And even if they did, their income should have told the tale. One's ability to repay a loan of any kind should be based on numerous factors including FICO and income. I can't say for sure but it seems to me that all factors were not taken into consideration with the majority of the defaulted loans attributable to this sub-prime mortgage mess.