No, I hate it when someone starts itemizing all the bad choices they've made in their life. I am always amazed that so many people seem to think that none of it is their fault. "I lost my house, my cars, and my wife because my dad wouldn't give me the money to pay off my credit cards and my loans. He's always been selfish that way." Uh huh. And how, exactly, do you think this is convincing me that you're a good credit risk?

I even had a manager from a cash store come in. She wanted me to put her flyers on my counter and send over people who didn't have enough money to rent a unit. I told her I don't want her customers. If they have to borrow money from a cash store to move in, how likely do you think it is they're going to pay their rent every month? I might not be a Harvard MBA, but I'm not stupid, either.