The bottom line is that if you are in a position like the types of clients we get here where you owe $100,000 to sometimes $250,000 and it is spread out over let???s say 8 to 10 accounts and they are all at 29.9% or sometimes even worse with Citibank for example that goes up to 32.24%, a temporary drop in credit score is really not as important as getting them paid off over approximately 4.5 years