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Emotional response to a difficult discussion. the employee is still fired. recent immigrants or college grads with little credit history they're still good customers, still good credit risks. there are about 10 million like this who would be prime credit customers, a sweet spot for lenders. indra peterson with the weather. >> feels like fall. nice cold air from high pressure coming in from canada cooling us off 10, 15 degrees below normal. 70s out for new york city, 70s for indianapolis today, just 73. complete opposite picture again, although pretty much what you're used to anywhere along...

Wearhouse customers take a look at this brand-new look on television. but, yeah, he kind of ogles that school girl. you heard this, right, that to have a credit history, you have to have a credit card and use it? well, guess what, the credit company vandage score says maybe not, there very millions out there who may be immigrants or recent graduates who don't have credit card history tore but they are still good credit risks. at least a third of them would be prime credit customers. even though they don't have the large credit history. calls it a sweet spot. finally, becoming harder for aver...

People to stay in the house, lower their monthly payments. is there some kind of test for these homeowners to sort of figure out if they're a good candidate for this kind of program? >> right. they're only targeting homeowners who are already making their monthly payments, who are good credit risks. >> thank you very much. sounds like an interesting program. sounds like there's controversy around it. we'll see if anything comes of it. >> thanks. >> coming up, the merit of one town is looking for votes, but not for the reason you might think. we'll talk about that when we come back here tonight...

People to stay in the house, lower their monthly payments. is there some kind of test for these homeowners to sort of figure out if they're a good candidate for this kind of program? >> right. they're only targeting homeowners who are already making their monthly payments, who are good credit risks. >> thank you very much. sounds like an interesting program. sounds like there's controversy around it. we'll see if anything comes of it. >> thanks. >> coming up, the merit of one town is looking for votes, but not for the reason you might think. we'll talk about that when we come back here tonight...

Dollars in credit risks, greece, portugal, italy, ireland and spain. if things turn sour in those countries, would our banks then tighten credit to small businesses here in the united states. if they can't readily get loans they could be out of business? >> that is the very interesting point you bring up. i hadn't quite thought of it that way, but i will tell you this. as we saw in 2008 and 2009 when banks get hurt and when the balance sheets get hurt, they will absolutely react to that. so if they got hurt and it changes, i can bet they won't lend as much money as easily as they might normall...