Good Day

So, if you've read my profile you know that I'm a loan officer for a credit union. If you haven't read it, well, now you know.

It's a fascinating job sometimes. In this age of identity theft, internet bill-pay and banking, people are being warned over and over again to never give out personal information. Well, I can't do my job unless people give me literally every scrap of personal information. Name, address, telephone numbers, birth date, income, account numbers, social security numbers...you name it.

And people willingly hand it over to me. A complete stranger. I find that fascinating.

Anyway, my original intent for this post was to share a list of the worst reasons I've ever been given as to why people want money. I've been doing this job in one form or another for the last five years at four different companies (Yeah, I'm a bit of a gypsy that way) so I've heard some pretty good ones.

1) I need the money to pay my bills. This has to be the worst ever. Seriously, if you can't pay the bills you have now, what makes you think you can handle another one?

2) I'm declaring bankruptcy and need to pay my attorney and the court costs. Um...riiigghhttt.

3) I need to buy groceries.

4) I need to pay my gambling debts.

5) I only need the money for a few days. After that I'm driving the car to Florida and never coming back.

6) I have a date and need $65 for an electric razor.

7) I need a loan to make my payment on the other loan I have with you.

8) I need enough money for my first month's rent and security deposit.

9) Well, I need it for bail money. Not for me, for my friend, and the loan needs to be in his name.

10) It's personal, I can't tell you. (after telling her I have to know otherwise there's no way I can give it to her) Fine. I'm getting a nose-job, ok?

I'm sure there are more, but these are the worst I can think of at the moment. And today is a new day, so perhaps I'll have more by the end of the day.