Q: Atheist, homeless. Would like to buy things like Chinese buffet or personal items like socks. Where do I get financing?
So far all the banks I've asked denied financing. I've asked USBank, Bank of America, Regions, Wells F, etc for a loan to help in finding a job, move to a different state, or for personal things and they have all denied. It's a bit surprising because I thought that was the point of a monetary system so that individuals don't have to go back to churches to get their needs. If they deny financing, where can I find it? If human rights are 'rights' but 'credit' is not a 'right', then how do Human Rights get satisfied? I paid back over $70000 in student loans with interest (one of which was a BOA) and now can't seem to get any loan under $500. How so? Can a human rights lawyer sue on my behalf and establish a 'rolling credit' (similar to student loans) in life like a 'universal credit' based on something like the minimum wage? You figure that any job should be able to pay back a 'minimum wage' loan, right?
A: No, a lawyer cannot sue private institutions to force them to establish you credit. As long as the lenders are not denying you based on a protected class such as race, religion, national origin, sex, or one of the other few protected classes, they are not breaking any laws. Not having a job or a home does not meet the requirements of creditworthiness it takes to get a loan. If you want to get a loan you need to get a job to be able to pay the loan.
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