Racist and uncaring Manager, Jimmy. They will disqualify your application, take your $50, and send you on your way for being 5 days late on a credit card bill, per your credit report. Oh and no evictions, no owing to any other properties, fresh credit, 2 high paying jobs, single father, decent with no criminal record whatsoever. I guess being black is the disqualifier. Based upon how we were treated when we walked in the office and how non-customer service oriented Mr. Jimmy was when we went to try to talk to him and find out why was I not approved, when my income exceeded what they require. Lol. Sad.