Reviews are just opinions. If you are thin skinned then a bad review can really bum you out. If you are one of those that live and die on reviews then you need to get a thicker skin to survive. Just because someone have a bad review doesn’t mean that everyone else will agree. You need to pole many sources to get a real cross section before coming to a conclusion that you suck. Consolidated Credit might think your credit rating is poor but that isn’t every bank. Just try another bank. They all have different criteria. You might get lucky