Loan for Mouse
So a mouse wants to buy a house, because he's tired of getting chased from his mousehole by the cat. So he contacts several real estate agents in his area, browses classified ads, and finally selects a home in a good neighborhood with access to school and shopping.
The initial asking price seems a little high, but the owner is willing to come down enough to fit the mouse's needs. So the mouse goes to a bank to get a home loan, and the loan officer turns him down.
He tries another bank, same thing. Another bank, same thing.
"I see how it is," the mouse finally says at the fourth bank.
"You won't give me a loan because I'm a mouse!"
And the loan officer says "No, we won't give you a loan because you have a history of delinquent accounts, you defaulted on your student loans, and your credit cards already eat up a third of your discretionary income!"