Terry, I believe that you are right.
However, one of the predatory issues that continuously surfaces is when debts and payment histories are not reported to the credit bureaus, the lenders are denying the borrowers valuable history and information in (re)building or maintaining their credit. Many predatory lenders purposely did not report credit so they had a captive audience in refinances. The OCC in one of their early 2001 advisories referred to one of the causes of subprime being customers with incomplete credit histories.
You might want to ensure that the borrowers getting the different payment terms are not getting them for inappropriate reasons.
Integrity. With it, nothing else matters. Without it, nothing else matters.