I speak to individuals almost every day about credit issues. It may be a college graduate who has not yet established credit, or someone who became unemployed during the last few years and could not meet all of their obligations. I recently spoke to an individual who was denied a home loan due to not having enough trade lines. One thing that is very important to me as a mortgage banker and as a former teacher is to share relevant information on topics related to credit. I want to help people achieve their financial goals. Some can be achieved very quickly, but some require a plan of action.