Clarification

The apparent reason I was denied the job is because my consumer credit rating is too low.
Here are the negatives against my rating for the past 7 years:

My student loans are in default (After 4 years of trying to get my payments down to asomething I might be able to afford, and 4 years of the loan company refusing to lower them to something reasonable for my income level. The last offer they gave me for a "reduced payment" was 486 dollars a month. It's worth noting that at the time I made the last request for a reduced payment I was homeless and my income was from unemployment. Of the two defaulted loans: One went into default when I was told it was going into "Deferment" and didn't recieve any bill or statement from the loan company for over a year. Since they didn't send me bills when it was in scholastic deferment, I didn't think anything of it until I started recieving harassing phone calls from a collection agency. The other one recently went into default because I could not open their e-mailed statements. I did call to have them correct the problem, I asked them to mail me my statements, and applied over the phone for a deferment. They e-mailed the paperwork (that I couldn't open) and I haven't heard from them since. (I've tried calling them a few times, early morning,mid afternoon, late night, it's over a 2 hour wait on hold every time. Each tiem I've called I've waited until "the cell phone company with the fewest dropped calls" dropped the call.)

3 NSF checks. Two of which were NSF for less than 48 hours, and the other was because I thought my new landlord had already cashed the check, as I began to close out the account. (Not having a mailing address can really screw up your ability to monitor your account statements)

I have no credit card. (Nor do I want one. I'd know I'd just buy music and rum. Probably in equal amounts.)

I haven't had a steady job for more than 2 years since 2002, and have been "self employed" for some periods during that time. (Unfortunately this is because 3:4 of my last employers have been worse at getting work than I was at doing it.)

Some bills have been payed late. (Reasons being: I was in NY when it came due and didn't recieve the bill for three weeks after it was due, or I'm disputing the charges. End of list. )

My phone isn't in my name. (Because my girlfriend has better credit than I do, and it's a multiple line account. Go figure...)

I've moved twice in the past four years. (Well, duh.. most people do move when they can't find work in their area, ask anybody in California with an Oklahoma accent...)

I do accept my personal responsibility in this. I know that if I had lived in under a bridge, walked the (average) 40+ mile per day commute, sold all of my possessions, and eaten nothing for the past 4 years the loans could have been payed off. (Oh, and FYI, my personal entertainment expenses for the past 4 years total about 4k between music, movies, books, games and television. Or about 20 dollars a week on average. I've spent about 6k on gasoline in that time, mostly commuting and moving, and 7-8k on vehicle repairs.)

all of which add up to "I'm poor". Which apparently is more important than my ability, and wilingness to do the job.

Oh, and some things that apparently don't matter to them:
In the past 4 years I've missed 5 days of work. 3 were due to a sprained back, one due to blizzard, and one for a stomach bug.

I can not only do the job I am applying for, I have run workshops teaching students from 3rd grade to post graduate level the basic skill sets involved.

I've never even been accused of stealing from an employer.

I have a good track record of dealing with groups that range in age from elementary to post-graduate levels of schooling.

I Spent 4 YEARS OF MY LIFE LEARNING HOW TO DO THE JOB I APPLIED FOR AND I'M GOOD AT IT!! Which I would think should be the deciding factor. But that's just me... To put this into perspective: This would be like the Grand Ol Opry denying Willie Nelson because he ahs tax problems. Not saying I'm as good at what I do as Willie is, but then again, the Museum of Science and Industry isn't exactly the Grand ol opry either.