Glad to see that there are others who stand up for themselves. For some reason most people completely fill in and turn over any form anyone puts in front of their face.

My policy for the past 20 years has been to enter only my name, address, ss#, and signature on any application I fill. They really don't need any employment, address, banking, or even credit history. All they really use to make credit decisions is your FICA score.

When a clerk says they need more information, I ask them nicely to run it as it is. In almost all cases, the application comes back approved. If it does not, then I will go down the street to a competitor where it will be accepted.

When you give over anything they ask for, you are just telling them it is okay in the future to demand more.

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2006 X5 Sport 4.4i