I’m writing an article for “U.S. News & World Report” about how lenders sometimes use a customer’s behavior to decide whether to offer a loan or not. If you’re a lending or personal finance expert, whether in the industry or academia or some other category, and can talk about what consumer behaviors can get a borrower in trouble, I’d be happy to hear from you. Looking for advice and anecdotes. Also happy to hear from any consumers who think they’ve been denied a loan, on a credit card or from a bank or mortgage lender, etc., due to anything they’ve done (i.e., maybe after a recent divorce, you were denied a loan and believe the end of your marriage is the reason why).