Usually you hear this right after “Was I wrong?” And the most likely answer is “Of course you were, you microcephalic dullard.” An example:
So I went to a car dealership and applied for an auto loan. My employer doesn’t provide paystubs so I faked them. I looked it up online and found out what I did was illegal so I called the dealership and immediately requested to cancel the loan request and told them I was no longer interested. I know this can cause some very bad issues and I was hoping someone might be able to tell me who I should contact to get ahead of this incase it gets flagged or anything like that. Thank you!!!
The first alarm goes off with “My employer doesn’t provide paystubs.” Even if they pay him in cash, they need to be able to furnish those stubs. And why would they pay him in cash? He’s either an independent contractor, in which case he’d get a regular invoice and, at the end of the tax year, some sort of 1099, or he and the boss are conspiring to avoid taxation, in which case they have other problems.
Alarm two: “…so I faked them.” Okay, he’s not getting a 1099.
Alarm three: “I looked it up online and found out what I did was illegal.” I’m guessing he found this out at NoShitSherlock.com. He certainly has no moral sense of his own. And if he gets a car and has a fender-bender, he probably won’t call his insurance company, because “they might raise my rates.” Maybe he’ll circumvent this by not buying insurance at all.