It'll most likely see how payoffs occur, when they occur, and if credits are always greater than debits (think asset credit, not debit card "credit"). I think

It'll most likely see how payoffs occur, when they occur, and if credits are always greater than debits (think asset credit, not debit card "credit"). I think it'll wholly weed out people who are shitty with money. We wouldn't have ridiculous housing for 3% down if each schmuck that knew how to game the credit system but can't balance a checkbook couldn't get a loan.