[cheriot]

a) I take out a credit card at a new bank, spend the balance, and never make a payment.

b) I bounced a check, don't remedy, and owe money to a furniture store.

c) I move a random amount of money each month to a separate account and make loan payments from there.

d) How far back does someone need to account for their spending in order to get a loan? People complain about mortgage applications, but this is a whole new level.

Access to credit gets more expensive without a 3rd party aggregator.