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There’s also that small, marginal set of people who have no other alternative due to real-life issues.Racial segregation and discrimination against minorities and minority communities pre-existed this policy.The implementation of this federal policy aggravated the decay of minority inner city neighborhoods caused by the withholding of mortgage capital, and made it even more difficult for neighborhoods to attract and retain families able to purchase homes.If your credit score isn’t excellent then you will pay a huge penalty on a mortgage, refinance, auto loan, credit cards, or any other type of loan. That’s money paid out to lenders that you could use to live a better life – take more vacations, cover college education costs for your children, live in a bigger house, drive a nicer car, or invest the savings for retirement.And it’s even worse if you have bad credit, considered by lenders to be anything below 620.