one person ruins it for everyone

It’s sad to think that old saying about how one person ruins it for everyone is true. But it really is sometimes. I mean credit checks started out of the fact that someone didn’t pay back money that they owed, or never paid for that car they bought. So in this day in age when credit checks are mandatory, how do you help the guy out there that is trying to make a situation right again? That’s why it is nice that some lenders will do no credit check refinance for customers. I mean. Just because you had a bad past, doesn’t mean you haven’t made up for it today.