I recently walked in another loan officer’s office when I overheard his conversation with a client he was on the phone with. He was trying to tell her how to raise her FICO® Scores. However, the information he gave was inaccurate. After he finished the call, I asked him about his incorrect credit score comments to the client. He responded, “It doesn’t matter. She won’t know the difference.” he didn't care. It was not his money at stake. This is not out of the ordinary. Loan officers too often give bad advice that end up hurting their clients. Why does this happen?