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You must pay the Cashiers and Student Accounts Office any charges on your account that occurred in a prior year before this hold can be cleared.

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It might be one thing if I were younger (40 now) but being so far away from where I want to be and the obstacles I am facing make me believe that short of begging for money or a free place to live (I live in a low income apt and I am struggling real bad financislly because of inconsistent employment and poor pay) so that I could actually do something about my long term future effectively, i cant see the light at the end of the tunnel right now.

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If your heart is set on applying at a bank that does do credit checks, be upfront and explain the circumstances surrounding your credit situation.

As the FTC explained in the FTC's Policy Statement on Unfairness, most unfairness matters are brought to “halt some form of seller behavior that unreasonably creates or takes advantage of an obstacle to the free exercise of consumer decisionmaking.

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