But I’d argue they aren’t corner cases. Most people I know with bad credit aren’t desperate for money. At least not educated, highly paid ones like nurses. M

But I’d argue they aren’t corner cases. Most people I know with bad credit aren’t desperate for money. At least not educated, highly paid ones like nurses. Most just ignore their financial problems in the hope they go away. Not to mention nurse demand outstrips supply, so they have options and can certainly turn down bad offers.