A member applied for a loan to pay off some existing collections, fully expecting to be denied, and was apprehensive to the loan officer due to her past life experiences. We approved the loan because we believed in giving her a chance to improve her situation. Not only did she pay off that loan without issue, but she was approved for a second loan to pay off more collections. She raised her credit score nearly 100 points and her morale improved significantly, all because someone believed in her.