... in more than one way.

It's your house. Scoring aside, if you miss a few payments and the lender finds out that you lied on the application, they may not be as lenient as they would otherwise. The score doesn't figure debt-to-income ratios.

I'll take that bait, any day. The questions above remain unanswered, at least overtly.

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For the unitiated, the three whines from the sidelines relate to this thread:

I've never done this lawsuit thing

in which a person's name, address, email address and telephone number were posted on a public message board. It's pretty ugly, so I just contacted them to ask if they wanted to participate in the discussion described as a "PUBLIC FORUM," to perhaps, among other things, defend their honor.

2000 years after the idea emerged, the participants seem to misunderstand its concept.