system
A chat on subreddit /r/wallstreetbets
human
That means your credit is dog shit and not trustworthy.  
  
 Go to a shadier lender (you'll get raped by fees/worse interest rate) or gamble on FB calls (probably get raped as well)

gpt
My credit is LIT, just that last year was first year of good income, and they wanted two years :s