The Housing market is in a mess with all the foreclosures now, and since all of this has happened numerous mortgage companies have had to fill bankruptcy! Now, no one with less than a perfect credit score, and no, not even a cent in outstanding debts can be approved for a loan, unless it is one of those super high interest loans that has caused all the problems in the first place! We just lost our pre approved loan because of all the new changes and because we owe a small amount of medical bills. Who ever came up with this stupid thing called a credit score took away all the fairness in everything!!! No, I don’t believe people should not pay their bills, but sometimes you have situations in your life beyond your control(like medical). We should all have the right to own a home, the American dream. As long as we make the payments it should be our right! Not be judged by a score only without looking at the situations! What are your opinions on this subject?