Sorry your situation got so bad, but I hope you know I wasn’t talking about you per se. You didn’t go out and get an interest-only loan for a million dollar house did you?.. Do you have a credit union where you work or qualify for a credit union membership because of your type of work?
Oh - I understand you weren’t talking to me directly. In answer to your questions - No, No and No. I actually work for a very large (to big to fail) bank. I’m in the belly of beast I guess you could say, lol. I was just stating my experience - banks have a multitude of reasons not to provide loans and credit scores and efficient credit are just two of them. Have a great day.