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Message: [QUOTE="NateW, post: 2584579, member: 4210"] The best thing I can compare it to is a Financial Institution that only does loans for ppl with 800 credit scores. Your charge off rate is gonna be as low as it gets, but the returns are going to be way low because you’re purposefully choking out your market size and only collecting on the lowest interest rates. Now if you open yourself up to more risk, sure you may have more charge offs, but you can get bigger chunks of money with a bigger market and by collecting on higher interest rates. Ppl who like Tyrod have only seen him in highlights. [/QUOTE]