Polar Mazda BAD!!!!

[SLOW_V]

Originally Posted by 1QUICK4

Unfortunatly it is an all to common thing for dealers to do illegal shit like this.

On another note, If you go in for a test drive DO NOT GIVE THEM YOUR ID.
They will tell you they need to get a copy of it in case you never return with the car but that is bullshit. What they are doing 99% of the time is illegally running a credit check with your info while you are out driving. Which can hurt your credit score if you decide not purchase from them

I'm dumb, tell me how a dealer run a credit check from your license. I don't know how much an urban legend this is but please enlighten me. I'm thinking they like to keep track of how many dumbass like me to go test drive their cars for the hell of it and for sales lead.

As for the guy with finance troubles. Just return the car and if needed pay them miles for crappie service to end the deal.
As with my experience, dealers will play with numbers in attempt to get you what you want. Other then doing stupid things like using someone's credit score/SSI. I don't care what they do to get me where i want to make the deal without over promising. Meaning, I know realisticly, I can't get a 25k car with nothing down for 350/month on 5yr note with so-so credit. The math simply doesn't work.

[tnm27]

that's true, the other thing was that it was all shown to me before hand how much i would be paying and so on, the payments weren't too much, but the warranty jumped it a little, besides that, I think i had everything to make it happen except the income, my credit score was approved for the credit, but I don't get it when my income doesn't??? what does that have do with the 4.9%???

Originally Posted by SLOW_V

I'm dumb, tell me how a dealer run a credit check from your license. I don't know how much an urban legend this is but please enlighten me. I'm thinking they like to keep track of how many dumbass like me to go test drive their cars for the hell of it and for sales lead.

As for the guy with finance troubles. Just return the car and if needed pay them miles for crappie service to end the deal.
As with my experience, dealers will play with numbers in attempt to get you what you want. Other then doing stupid things like using someone's credit score/SSI. I don't care what they do to get me where i want to make the deal without over promising. Meaning, I know realisticly, I can't get a 25k car with nothing down for 350/month on 5yr note with so-so credit. The math simply doesn't work.

[TSI2GSX]

Hey I gotta step in on the comment about the license thing. I sell cars and i need lic. and insurance. Its a safety thing and covers my ass. Theres no way for me to check credit from a drivers lic. Also it makes writing a car deal up easier and I have all the info in front of me. Not every salesman is a crook but to the OP, there fucking with you. Hope everything turns out good.

[tnm27]

I know not every car salesman in a crook, but this guy. It seemed like he knew what was going on the whole time, I'm pretty sure of it.

He hasn't offered me anything I haven't heard yet, or at least that I like. I am planning to call him back to talk about refunding the car today, hope all goes well.

by the way this is what he told me what happene; "the guy who did your loan papers, accidently mistaken your $ (dollar sign) for a 4." Funny thing was that I put my monthly income, not my Annual income, so it doesn't really make any sense, a 4 from a $. come on....

Originally Posted by TSI2GSX

Hey I gotta step in on the comment about the license thing. I sell cars and i need lic. and insurance. Its a safety thing and covers my ass. Theres no way for me to check credit from a drivers lic. Also it makes writing a car deal up easier and I have all the info in front of me. Not every salesman is a crook but to the OP, there fucking with you. Hope everything turns out good.

[1QUICK4]

Originally Posted by TSI2GSX

Hey I gotta step in on the comment about the license thing. I sell cars and i need lic. and insurance.

I just know what I've seen done at previouse stealerships I've worked at.

I can take a test drive without handing over lic. & insurance. Just have to take the salesman with.

[tnm27]

it's good to know that, I've always wondered why they do that, no way am I going to be giving my lic. to a salesmen anymore. Now I know my credit report will have alot of inquires on it. damn it.

Stealership... lol...i just had to laugh

Originally Posted by 1QUICK4

I just know what I've seen done at previouse stealerships I've worked at.

I can take a test drive without handing over lic. & insurance. Just have to take the salesman with.

[311evo]

any updates on returning the car?

[SLOW_V]

Originally Posted by tnm27

I don't get it when my income doesn't??? what does that have do with the 4.9%???

You can have good credit score but if you income (lower) or debt to income ratio is too high. That will play a major role on where your credit apr% will be. It is called the art of underwriting a loan under fair credit lending BS....