Agreed. People with bad credit are pooled together and all charged more to make up for the ones within that pool who default. You can't simply put people with g

Agreed. People with bad credit are pooled together and all charged more to make up for the ones within that pool who default. You can't simply put people with good credit in that pool because they will shop around for a better rate and they will find one. As someone who has shared an apartment with a person with poor credit who is also a habitual liar and hides/blames others for their problems... I believe in giving people the opportunity to rebuild credit slowly, but have no problem whatsoever with limiting opportunities and charging those people more until they work to regain credibility.