Ask the lender for their rejection reasons.

You are aware that there is a run on real physical money right now? The American banks have asked for more than the 100 billion dollar a day limit in physical currency. From the federal reserve bank. On some days reciently.

I do not suspect you will find your issue in your credit report. Could be wrong.

It may have been your negotiated reduction in a mortgage during the 2008 episode. Banks have long memories like elephants. Or they have their own problems at this time.

There is no slam dunk right now I suspect unless federally mandated to the banks

The sky is not falling yet I see clouds out there. A million dollars is little more than fifty thousand dollars when I was in my twenties. In Canada at least. So it is not really that big a deal in my mind.

It takes more than that just to buy an average decent house in the Toronto area. A house for only 440K was actually located in Toronto last month. I would not even want to see it. The average resale was also 996K last month.

I did not think I had a credit rating for a long time. It turns out my monthly payments of credit cards total balances at the end of each month enables one. We do not have a his and her money attitude. Still the wife has her own financial existence. It does not matter who pays what. Many Canadians are getting really turned off on their banking institutions. I am really pissed with the wives.

If the virus appears to be gaining a substantial position in north America. I am going to take some amount of physical cash out of the banks and stuff it into a safety deposit box. The next week or two should tell if I act.