For what reason do people think credit is the end all be all...?

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Let's say that I apply for a charge account with your company. Okee dokey... Let's also say that I have horrible credit BUT that I also have a great history of paying off charge accounts with your "type" of company. Why deny me?
Not a good enough illustration? Then let's say that I want to rent a house from you, that I have bad credit, but that I have an excellent rental history. Why would you deny me?
 
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