Citizen 's Bank turned my daughter down for a student loan and I her father was turned down as a co-signer. I have an excellent reputation with the Parent Plus Federal Loan and any other current loans. I receive government subsides to carry forth my life. I explained to Citizen 's Bank at great length ( included ) that I am in the process of disputing claims against my credit by XXXX, XXXX, and XXXX XXXX. I have already erased one of these blemishes. Unfortunately, only XXXX XXXX has responded ( with a copy of my credit report ) to the legal firm representing me ( XXXX XXXX included ). I feel that the fact that this is a loan for my daughter, who has an excellent grade point average, a job in the XXXX field ( her major in college at XXXX University ). My daughter being a young women needs a chance to display her ability to enter into a contract, I feel the bank has not considered this. Her father has an excellent " A '' rating with all credit reporting agencies in repayment history. I do n't understand why the federal government has no problem understanding the hardships my family has been through ( a XXXX divorce - XXXX years ) and the bank fails to understand that the debt belongs to my ex-wife. I have shown with the enclosed information that I take my credit history seriously and paid any and all creditors whether it was incurred by me or not during my marriage. The bank I feel has been prejudical toward my daughter and myself by taking the side of creditors that they do n't even know the history of. Everybody in this world deserves a chance to succeed. In these hard economic times, the government bailed banks out with tax payers money, now this tax payer is now asking the bank to help him out. We entered into a contract with the federal government and they felt my credit was fine. We are prepared to enter into a contract with the bank and in recent years through this divorce both my daughter and I have shown that we pay our debts. I feel that this bank has acted discriminatory without reason. Anybody in the public domain understands that these credit reporting agencies are not public friendly. We hope that you can help in obtaining in the loan so that my daughter can continue her studies.