After 25 years at same place,with Equity from the start in Clinton Missouri had owed as much as 37000 each payment on time played in full several other loans never late payed in full had 811 credit score got divorce had 6000 in savings invested 25000 with bank credit score went to 685 (lost farm) a company miss billed VA for 186 dollars I told the loan officer that was turned down for a 3000 dollar loan moving banks.
I love my bank! I had charges from out of the US so I told them and got my money back in less than 2 weeks.