Seriously... it's hypothetical, it's not about me... I promise!
Alan is a great agent, stellar, in fact... but two years ago, Mrs. Alan lost her job, due to health problems, she'd been in and out of her doctor's offices, and had a couple of surgeries. The bills have piled up, and there are a lot of medical bills.
Due to the loss of her job, they're been surviving on Alan's income alone for the last two years, due in large part, to Alan's juggling of lots of ducks. Fortunately, Alan planned well, and did what any good real estate agent would do. He set aside a full third of his income, year after year, and had plenty of money set aside for a down market.
Unfortunately, nobody expected this down market to last quite as long as it has, and for Mrs. Alan's medical problems to coincide perfectly with the down market.
To top things off, this is the year, that Mr. and Mrs. Alan's older daughter began college, and while it's not Harvard, it's also not cheap. And yet, due to Alan's smart planning, and lining ducks in a row, they've managed.
Mrs. Alan is on the mend, and almost ready to return to work.. but not quite yet.
They're paying off the medical bills as quickly as possible, but credit cards have been maxed out, and while there are no actual 30-day-late fees, their credit score has plummeted from what it once was, based on their credit card ratios, and a handful of slow-pays.
In an interview with a potential buyer, they have asked to see his credit report. And upon viewing that credit report they've determined that he's not "fiscally responsible" enough to handle their transaction.
Lesser agents who'd not planned as well, might have fallen by the wayside. But, no, not Alan. His superior financial planning has allowed Mr. and Mrs. Alan to stay afloat, and in fact remain financially viable. It's amazing. And yet, his credit report tells a different story.