Credit Reports
As a former car salesperson I cannot tell you how many times someone came to the dealership claiming to
have bad credit when in fact it was fine, or the opposite - claiming that they had good credit when it was
terrible! Both these people had the same thing in common. They had never pulled their credit reports!
A dishonest dealer will try to convince you that your credit is worse than it is in order to get a higher interest
rate from you. Conversely they will tell you that your credit score is "fine" and send you home in a car, all the
while knowing it's not good. While you drive around town happily in your new car they shop your credit all over
town hoping to get you financed. When they can't they call you back and tell you, "Sorry. Return the car please.
The banks turned you down."
KNOW your credit score. Find out if there's any errors on it and what they are saying about your history. It
could literally save you thousands of dollars!
