If I had to guess the 1st one almost certainly used a stolen/fake identity to verify himself. All he would need is a fake ID and the rest is fakeable to the extent that you are willing to say that your identity is different then what it really is.
The 2nd one is less certain as income was verified although it is still possible to fake income to match your fake identity.
I don't live anywhere near either of these places so I would really not be interested, especially for debt that is that far behind.
HINT: for the future, you might be better off lending via sites like prosper that collect on delinquent debt for you, which means that it makes more sense for the lender to go after a deadbeat, which means that borrowers will have less of an incentive to run away
Yeah - I'm not very good at being a lender.
But there is a simple set of rules that you follow to not get bad loans.
When you break them, it's gambling.
I gambled. I lost.
16 Loans.
13 Good.
3 Bad.
