I came in to the dealership to buy a car. The salesman and finance manager conspired to defraud me out of a favorable finance package into an unfavorable now with use of deceptive tactics and lies about my credit worthiness. I had already obtained a loan from my bank to buy the car (6% interest rate) but was unhappy with the offered rate. The finance manager tried multiple times to obtain my information so that the rate could be shopped to the dealer's network of lenders. Instead, I applied for credit directly from Acura Financial, but to complete the transaction, I still had to deal with the finance manager. He then lied about my credit report (of which I have a copy and monitor my report and scores monthly) to persuade me to use alternative financing which they receive additional/ higher commissions from. The finance manager said my Credit Score was 636, all 3 of my FICO 8 scores at/ above 770 points as per MYFICO, Experian, Equifax, Transunion, and First Service Credit Union. My Fico 9 Bank Card and Fico Auto 8 scores are in the 800+, 1% utilization, no new credit in 1+ years, no delinquencies in 6+ years, no bankruptcies, no repos. In addition, I keep all of my accounts frozen. I mention all of this to say there is NO WAY my credit is a 636 by any scoring model. The finance manager outright lied so he could shop my file and "sh0tgun" my credit to lenders! This is terrible for your credit!! DO NOT visit this delaership as they may try to scam you into paying a higher interest rate than necessary. Would love to know some dealerships in Houston that don't do this.
