Its amazing how banks can place you in the category of "bad credit" even with the smallest of credit blemishes. A small unpaid telecommunication default and your red flagged like a bull to his master.
We come across those people everyday at 1800 bad Credit, it is truly criminal; that these people are treated differently for a one-off mishap that in some case are not even the fault of the client.
Is a $200 unpaid telecommunication going to stop the client who has a good job, stable income and an overall good profile going to be the one who misses his car loan repayment and becomes what they call a bad debt?
Crazy as it sounds, banks think this way, thank god for 1800BADCREDIT then hey?