I banked with wells fargo for 7 years, I had a credit rating of XXXX, I was married and my wife had a credit rating of XXXX. We applied for a small business loan of XXXX, we were going to co-sign. They denied us. We had combined income of XXXX per year and a business plan and experience. Fast forward 7 years later. I applied for a auto loan of XXXX dollars, this time with a credit rating of XXXX and proof that I was to receive XXXX dollars from a social security settlement and proof of income every month. They denied it, saying that my credit was too low. 
