Kroll Factual Data's Mortgage Credit Services Now Available through eMagic's Platform

"It takes a lot of courage to stick your hand up and spend 50 grand if you haven't done it lots of times," says Jerry Caldwell, a real estate investor. 

Since the collapse of the housing market began in 2007, a debate has raged as to whether Washington or Wall Street bears the greatest part of the responsibility for the disaster.