The credit and financial consultant creed: To do business effectively, we must respect and value one another. It is important for you to know how we think, how we do business, and how we approach our relationship with you, the consumer. The end and purpose of business is profit. A business person, then, would presumably place that above all else. We recognize, however, human values to be far superior and, therefore, they modify our pursuit of profit. It is our intention that no one need earn a dollar at someone else's expense. Thus we eschew all gimmicks and turn to complete openness and honesty in our relationships with clients. What we recommend to a client is precisely what we ourselves would do were we in there position with our knowledge.