Scumbags.

[IXNAYXJ]

I'm a sales manager at a really big franchise car dealership in the Seattle area. In my 5 years in the car business, I've seen some pretty amazing stuff, but twice this week, I was left speechless.

STORY ONE:

Earlier this week, we had a gentleman try to finance a new car. When he was filling out the credit application, I watched (from across the showroom) as he pulled out THREE fake social security cards and basically was saying, "pick a card, any card!"

This pissed me off...so I called the cops. We told him to wait while we submitted him to get approved (and sure enough, one of the social security numbers had strong credit) and waited for the cops. When thay arrived, he suddenly couldn't speak English anymore. Two minutes before he was telling us what options he wanted, then he was "no habla english." It was gratifying to watch him get handcuffed and hauled away.

STORY TWO:

Just yesterday, we achieved a new record for the worst credit score in dealership history. The guy had SIX pages of unpaid collections and charge-offs. THREE auto repo's. TWO Bankruptcies. ONE forclosure.

Credit scores range from 350-850, depending on which bureau. This guy was a 356. 356!!! AND HE WAS TRYING TO BUY A CAR!!! He was trying to get a loan! AGGGHHH! Amazing. So, hopefully you've enjoyed this glimpse into the car industry and laugh a little as we all did. I'm sure Goatman has some similarly funny stories.

-----Matt-----

 

[RichP]

I'm a sales manager at a really big franchise car dealership in the Seattle area. In my 5 years in the car business, I've seen some pretty amazing stuff, but twice this week, I was left speechless.
STORY TWO:

Just yesterday, we achieved a new record for the worst credit score in dealership history. The guy had SIX pages of unpaid collections and charge-offs. THREE auto repo's. TWO Bankruptcies. ONE forclosure.

Credit scores range from 350-850, depending on which bureau. This guy was a 356. 356!!! AND HE WAS TRYING TO BUY A CAR!!! He was trying to get a loan! AGGGHHH! Amazing. So, hopefully you've enjoyed this glimpse into the car industry and laugh a little as we all did. I'm sure Goatman has some similarly funny stories.

-----Matt-----

SO, how many points did you up his interest rate ?

 

[IXNAYXJ]

SO, how many points did you up his interest rate ?

Yeah, he was declined. Had he been approved, we're limited to 2-3 points by the bank. Too bad, huh?

-----Matt-----

 

[Papary]

What a bunch of bullcrazy! I would have cheered when that guy was hauled off. I used to work in a call center, and it's really surprising how many people were using stoling credit cards, or were reporting stoling cards or card numbers. You here about it, but it's different to see it happening. Kudos on gettin' him busted.

I've heard of people in the 600s, but nothing below that. That's pretty rough.

Good going.

 

[MrShaft696]

I'm a sales manager at a really big franchise car dealership in the Seattle area. In my 5 years in the car business, I've seen some pretty amazing stuff, but twice this week, I was left speechless.

STORY ONE:

Earlier this week, we had a gentleman try to finance a new car. When he was filling out the credit application, I watched (from across the showroom) as he pulled out THREE fake social security cards and basically was saying, "pick a card, any card!"

This pissed me off...so I called the cops. We told him to wait while we submitted him to get approved (and sure enough, one of the social security numbers had strong credit) and waited for the cops. When thay arrived, he suddenly couldn't speak English anymore. Two minutes before he was telling us what options he wanted, then he was "no habla english." It was gratifying to watch him get handcuffed and hauled away.

STORY TWO:

Just yesterday, we achieved a new record for the worst credit score in dealership history. The guy had SIX pages of unpaid collections and charge-offs. THREE auto repo's. TWO Bankruptcies. ONE forclosure.

Credit scores range from 350-850, depending on which bureau. This guy was a 356. 356!!! AND HE WAS TRYING TO BUY A CAR!!! He was trying to get a loan! AGGGHHH! Amazing. So, hopefully you've enjoyed this glimpse into the car industry and laugh a little as we all did. I'm sure Goatman has some similarly funny stories.

-----Matt-----

I sold cars at dodge for a while and ive seen lower scores, no scores, bankruptcy, everything people think they can get stuff with no money in their hand, ahhhh try 70% down. I have never seen someone use a fake SSN.

You need to use the broom technique on people like that, and sweep them off the lot before they waste your time.

 

[red91]

Thats the LAST TIME I walk into your shop Matt.

 

[IcedXJ]

Thats the LAST TIME I walk into your shop Matt.

hahahahhahaha

 

[IXNAYXJ]

I sold cars at dodge for a while and ive seen lower scores, no scores, bankruptcy, everything people think they can get stuff with no money in their hand, ahhhh try 70% down. I have never seen someone use a fake SSN.

You need to use the broom technique on people like that, and sweep them off the lot before they waste your time.

People with no socres are a lot easier to get bought...they havn't taken anyone down yet. And yes, we power-launched them before they infect the store with their sleeze.

Thats the LAST TIME I walk into your shop Matt.

Yeah, sorry we couldn't get you into that new Aveo you wanted. I know a guy who can get you a stolen SS number, though. You can contact him via Seattle P.D.

-----Matt-----

 

[PAPXJ]

I worked for Wells Fargo Financial Acceptance for a while. Lowest credit score I saw was 351. The majority of our customers were in the 450-550 range. Needless to say 24% was a good rate.

 

[IcedXJ]

I worked for Wells Fargo Financial Acceptance for a while. Lowest credit score I saw was 351. The majority of our customers were in the 450-550 range. Needless to say 24% was a good rate.

damn...Well I am happy with my score...722...Beat that and I am 20..lol

 

[the_chief]

wow, it must feel horrible to be called a sleezy lowlife by a car salesman!!!!:shocked:

 

[IXNAYXJ]

damn...Well I am happy with my score...722...Beat that and I am 20..lol

23 yo and 823 Ain't home ownership grand?

-----Matt-----

P.S. Just FYI, 722 isn't that remarkable. It's pretty high, and good job getting it there, but I wouldn't be challenging people to a Credit Score Competition, if I were you. Not trying to be a dick, just informative.

 

[IXNAYXJ]

wow, it must feel horrible to be called a sleezy lowlife by a car salesman!!!!:shocked:

That's pretty damn funny. I buy cars, though, not sell them.

-----Matt-----

 

[stewie]

damn...Well I am happy with my score...722...Beat that and I am 20..lol

im just content sitting at a 721 as my medium score while renting. looking to buy a house now though.

 

[IcedXJ]

im just content sitting at a 721 as my medium score while renting. looking to buy a house now though.

See I have credit cards out the ass, but all paid for...

Hmm I should close them now that I think about it.

 

[JohnJohn]

I'm a sales manager at a really big franchise car dealership in the Seattle area. In my 5 years in the car business, I've seen some pretty amazing stuff, but twice this week, I was left speechless.-----Matt-----

What store do you work at? Use WFS?

I've been rep'ing and buying paper here in Colorado for 11 years, funniest thing I ever saw on a credit file? Someone put "Gang Banger" in the occupation slot on some guys TRU.

 

[SCW]

See I have credit cards out the ass, but all paid for...

Hmm I should close them now that I think about it.

If you are looking to build good credit scores, don't cancel them. Ratings are dependant upon your debt/available credit ratio, lots of cards with no balance is a good thing.

 

[IcedXJ]

who are you talking to?

 

[IcedXJ]

If you are looking to build good credit scores, don't cancel them. Ratings are dependant upon your debt/available credit ratio, lots of cards with no balance is a good thing.

more of an issue is I will buy all the parts I need right now and no think twice, then wonder how I am going to pay it all back.

 

[PAPXJ]

If you are looking to build good credit scores, don't cancel them. Ratings are dependant upon your debt/available credit ratio, lots of cards with no balance is a good thing.

Not all together true. A consumer with a lot of available credit is not comforting to a lender. The more available credit you have, the more risk that you will tap into that credit and put yourself into a difficult situations. A lot of lenders will even force you to close your available credit accounts in order to obtain funds from them.