God, Why Do You Torture Me So?

Are people really this stupid?

Why yes, they are.

WASHINGTON (AP) -- Some homeowners who sign up for the government's mortgage assistance program are getting a nasty surprise: Lower credit scores.

For borrowers who are making their payments on time but are on the verge of default, the Obama administration's loan modification program can reduce their credit score as much as 100 points. That makes it harder to get a loan and can present a problem when applying for a new job.

HINT: The phrases "verge of default" and "good credit risk" don't go together.

Housing counselors say it's unfair, especially because the news often comes as a surprise to homeowners.

Wow. Could it be because these "housing counselors" are morons?

Why yes, that could be it!

"Why should people's credit be hurt even worse when they're trying to do the right thing?" said Eileen Anderson, senior vice president at Community Development Corp. of Long Island, a housing counseling group in New York.

And many homeowners are angry that a program designed to help carries such a penalty, said Kathy Conley, a housing counselor with GreenPath Inc., a nonprofit group in Farmington Hills, Mich.

"It's a feeling of being duped," she said.

GET THE HELL OUT OF THE GENE POOL IMMEDIATELY AND DON'T EVER THINK ABOUT VOTING IN ANOTHER ELECTION, YOU FREAKING MORONS! I know hand sanitizer that is smarter than these people.

This isn't soccer, you losers. Good intentions don't count. Consider the alternative:

Still, the impact is far less severe than a foreclosure, where borrowers typically find their credit is in tatters for years. That's due to the cumulative impact of many months of missed payments and the foreclosure itself, which drags down a homeowner's' credit by 150 points or more on a scale of 300 to 850.

This is NOT a draconian result. If you think it is, then you think we can all hold hands and sing Kuumbaya and all the world problems will be magically solved.

The only problem with that sort of thinking is THAT IT WILL NEVER, EVER WORK.

Now I know where GEICO gets its cavemen.