Kanon

I really don't "get" credit ratings. It makes absolutely no sense.

I have top tier credit, I have no history ever of delinquincies and no outstanding loans against me. Citibank denies me for a computer loan when at my current salary versus expenditures, I could realistically have it all paid off in 2 months max.

My mom has horrible credit, a bankrupcy from a few years back and is in paymet plans with the IRS. The same loan she gets approved, of course at a 30% APR (lol)

It's sad because it seems like creditors look for people to fail more so than people who actually pay thier bills. I guess it's like a story a wealthy relative of mine once told me, how people with money are more inclined to give loans to those they think businesses will fail for certain reasons...

General rant. Citibank sucks, commercial banks suck. Guess it's time to use my credit union account finally...heh...