Back before computers and FICA scores, if you wanted credit, you went to the local bank or savings and loan and made your case to the loan officer. It all sounds so civilized. But if the guy behind the desk thought you were a bad risk, didn't approve of the way you lived, or just plain didn't like you, you were out of luck. And if you went to a bank in another town, that loan officer wanted to know why you hadn't gone to your home town lender. Growing up, lower working class in a small town, we hated guys in suits. Guys in suits controlled our lives and we never knew why they made the decisions they made. Give me a nice, anonymous computer any day of the week.
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