has nothing to do with race/last name. you obviously have bad credit from shit u havent payed off, white, black or mexican u aint getting approved if they feel u cant pay them back if u havent payed off any other bills.people always wanna throw in the race card, if u felt that way report it to that dentist corporate office or the clerks boss not make a thread on the sicc about it. u probably went to a high class place that charges way much, hit up western dental which allows you to make payment plans they accept anybody.