The world of finance has changed. Unless you have been in a bubble for the last year, you know that money and credit are not handed out to everyone with a pulse any longer. Financial institutions want to make sure that they are lending to "qualified" customers. Over the last few years most customers thought that a credit score was all they needed. This is a big reason why the country is in the situation that it is in today.
So why do customers get upset when they are asked for tax returns, account statements, etc? If someone is reluctant to provide documentation, I wonder what they are trying to hide? I guess this is the same concept as going through airport security. I know that I am not a terrorist. However, I have to take off my shoes just like everyone else. I am ok with this and customers seeking credit should be as well.
The bottom line is that if you are not willing to provide what is required, you have no business applying.
The most wasted of all days is one without laughter. ---e. e. cummings
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