Kevin, In Baton Rouge we provide a copy of the personal statement, loan review committee form, loan budget form and credit bureau report in this order. We delete any identifying information from the credit bureau report so that the committee only sees the facts and handwritten comments I make about the delinquencies.
Since we can only accept "persons with bad credit" I think that the LRC should see a copy of the credit report to establish a pattern as to how bad is TOO bad. :) And, of course, your interview with this client should weigh heavily since what is in the heart counts much more, sometimes, than what is on the credit report. Thanks, Kandee Wickboldt Family Service of Greater Baton Rouge
