In the early 90's my wife & I both had real estate brokers licenses and spent a lot of time working "impossible" to sell inner city properties. We'd put a sign & mailbox right next to the sidewalk with info about obscenely low down payments & low monthly payments (APR properly calculated all kosher!). How did we manage this? We were working with two banks that had special lending programs under the Community Reinvestment Act that helped get people with less than stellar credit and shorter term employment into home. What the programs and those of us who worked with them understood is that there are a lot of good, honest, worthy people out there who aren't going to pass a conventional computer check. My guess is that millions of good people will who don't have what it takes to get a high credit score will be getting the short end of TSA's latest boondoggling stick: Bloomberg Business Week: TSA to Select Passengers Case by Case for Faster Security Lanes (Sept 9 2013) U.S. airline passengers will be chosen on a case-by-case basis to use expedited-screening lines at airports to help speed up security checks, the Transportation Security Administration said. Passengers will be chosen after a background check, based on information they already provide when buying tickets, before they get to the airport, the agency said in a notice to be published tomorrow in the Federal Register. They won’t have to be enrolled in TSA’s PreCheck program, be a frequent flier, or sign up for U.S. Customs and Border Protection’s Global Entry program, the agency said. ...Under the latest initiative, passengers won’t have to provide personal information beyond their names, date of birth and gender -- which they already provide to airlines to check against terrorist watch lists, the agency said. And of course since this is TSA, they will always reserve the right to abuse you: TSA will incorporate random, unpredictable security measures and no individual will be guaranteed expedited screening, said David Castelveter, an agency spokesman. And this is where these self-absorbed bureaucrats continue to get it totally backwards-- instead of blessing the annointed 25% of the population with Pre-Check, they should reserve their more intrusive screening for the small number (I'd bet 5-10% or less) who are shown by a background check to be an actual risk, e.g. those with a history of violent crimes and those who have been place on a terrorist watch list with due process: The agency has set a goal of having 25 percent of U.S. airline traffic using PreCheck by the end of next year, up from about 2 percent last year.