{"id":1735,"date":"2026-01-28T06:46:52","date_gmt":"2026-01-28T06:46:52","guid":{"rendered":"https:\/\/tpbn.net\/alakra\/?p=1735"},"modified":"2026-02-03T10:52:46","modified_gmt":"2026-02-03T10:52:46","slug":"lie-to-the-buyer-about-their-credit-score-scam","status":"publish","type":"post","link":"https:\/\/tpbn.net\/alakra\/lie-to-the-buyer-about-their-credit-score-scam\/","title":{"rendered":"Lie To The Buyer About Their Credit Score SCAM"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1735\" class=\"elementor elementor-1735\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4ecea6 e-flex e-con-boxed e-con e-parent\" data-id=\"b4ecea6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d7ac8d elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"1d7ac8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"hfe-breadcrumbs-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav aria-label=\"Breadcrumb\"><ul class=\"hfe-breadcrumbs hfe-breadcrumbs-show-home\"><li class=\"hfe-breadcrumbs-item hfe-breadcrumbs-first\"><span class=\"hfe-breadcrumbs-home-icon\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-home\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M280.37 148.26L96 300.11V464a16 16 0 0 0 16 16l112.06-.29a16 16 0 0 0 15.92-16V368a16 16 0 0 1 16-16h64a16 16 0 0 1 16 16v95.64a16 16 0 0 0 16 16.05L464 480a16 16 0 0 0 16-16V300L295.67 148.26a12.19 12.19 0 0 0-15.3 0zM571.6 251.47L488 182.56V44.05a12 12 0 0 0-12-12h-56a12 12 0 0 0-12 12v72.61L318.47 43a48 48 0 0 0-61 0L4.34 251.47a12 12 0 0 0-1.6 16.9l25.5 31A12 12 0 0 0 45.15 301l235.22-193.74a12.19 12.19 0 0 1 15.3 0L530.9 301a12 12 0 0 0 16.9-1.6l25.5-31a12 12 0 0 0-1.7-16.93z\"><\/path><\/svg><\/span><a href=\"https:\/\/tpbn.net\/alakra\"><span class=\"hfe-breadcrumbs-text\">Home<\/span><\/a><\/li><\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-132fd04 elementor-widget elementor-widget-sina_post_featured_image\" data-id=\"132fd04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sina_post_featured_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"sina-post-featured-img sina-bg-cover\" style=\"background-image: url(https:\/\/tpbn.net\/alakra\/wp-content\/uploads\/2026\/01\/credit-score-scam-1110x550-1.png);\">\r\n\t\t\t\t\t\t\t<\/div><!-- .sina-post-featured-img -->\r\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9521f02 elementor-widget elementor-widget-text-editor\" data-id=\"9521f02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1645403047413\"><div class=\"wpb_wrapper\"><p>This is one of the most common tricks that car dealers pull<br \/>on unsuspecting shoppers, first things first, not all banks and lenders look at<br \/>the credit score only to make their decision whether you get approved or<br \/>declined, there lots of other factors.<\/p><p>Some finance managers tell you that your credit score was<br \/>much lower than it is. This causes you to pay a much higher interest<br \/>rate on your car loan than you should have paid. Keep in mind that not all<br \/>finance managers are the same, but how would you know?<\/p><p>You see, the way interest rates work on car loans is the<br \/>higher your credit score, the lower the interest rate you will have to pay. So<br \/>naturally, the lower a credit score the dealer can produce from your credit<br \/>history, the higher APR they can charge on the car loan.<\/p><p>Naturally, some salespeople are greedier than others. They do<br \/>not want to just sit there while you walk out the door paying 3% APR when there<br \/>are profits to be made. Remember these guys could be under lots of pressure<br \/>from the upper management (make money or go home) they will use all their<br \/>skills against the uninformed car shopper. This money-making trick is typically pulled on people with marginal credit but works even on people with good credit too. It works because most people do not know their credit score. Unfortunately, and some might know it, but like we said banks do not only rely on the credit score, you could have a great credit history, but one minor thing can lower your score below 600. On the other hand, you might only have a cell phone bill under your name, and because of it your credit score over 700.<\/p><p>See the credit score is not everything, but you could get<br \/>milked because of it if you are not well informed, let us go over your credit<br \/>report in detail, so you do not get the runaround and save yourself lots of<br \/>stress and money.<\/p><\/div><\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1452700243026\"><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><ul><li><ol><li>Your credit does not get pulled every time you visit a<br \/>dealership if landed on a vehicle you liked.<\/li><li>Dealers do not send your application to too many lenders<br \/>for the best approval and have too many inquiries and because of it, you might get declined even if your situation is approval to the bank\/lenders.<\/li><li>We will guide you to the right scenario that going to fit<br \/>your lifestyle.<\/li><li>You do not need to apply online with all these<br \/>lead-generating companies where they end up selling your credit information to<br \/>the paying dealership.<\/li><li>Your information will not end up in a dealership either<br \/>too busy for your tough situation or a dealership that does not have the right lenders<br \/>or vehicle for your situation and your lifestyle.<\/li><li>You do not end up pushed into a vehicle not what you\u2019re<br \/>hoping to get or seen in an ad online with all the empty promises.<\/li><\/ol><\/li><li>Too many people trust the official printouts produced by the car dealer without ever knowing if it is true. Remember you need to do more than just get your credit report; YOU NEED TO BE ABLE TO KNOW what\u2019s ON IT!<\/li><\/ul><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><p>One of our customers we had helped emailed us to say that while sitting in the finance office at the car dealership, four finance people came out after reviewing his car loan application with very \u201cconcerned looks\u201d on their faces. They also had an official-looking paper that said \u201ccredit score\u201d on it and it also had the number 580 circled in red. Boy, the pen sure is mightier than the sword. They informed our friend that they could only get him financed at 10.9% APR, not the special 0% interest rate that the manufacturer was advertising.<\/p><p>Our intended victim then pulled out his credit score that we provided him with all the details that week where he had a much higher score of 720 compared to the dealer\u2019s bogus credit score. You see our friend knew where his credit standing and knew what he will qualify for. He then asked why the dealer\u2019s result was so different from our credit report which we pulled the same week.<\/p><p>Not expecting this car buyer would know his credit situation, three of the very surprised sales guys scattered knowing they were busted. The poor last guy lied to the buyer, saying that \u201ccredit agencies display better credit scores to consumers than to businesses.\u201d Our friend then left that dealership and bought his car elsewhere with the low 0% advertised APR. This vindicated the buyer and proved the finance people were lying.<\/p><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66919bc e-flex e-con-boxed e-con e-parent\" data-id=\"66919bc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n    <div class=\"xs_social_share_widget xs_share_url after_content \t\tmain_content  wslu-style-1 wslu-share-box-shaped wslu-fill-colored wslu-none wslu-share-horizontal wslu-theme-font-no wslu-main_content\">\n\n\t\t\n        <ul>\n\t\t\t        <\/ul>\n    <\/div> \n","protected":false},"excerpt":{"rendered":"<p>Home This is one of the most common tricks that car dealers pullon unsuspecting shoppers, first things first, not all banks and lenders look atthe credit score only to make their decision whether you get approved ordeclined, there lots of other factors. Some finance managers tell you that your credit score wasmuch lower than it [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1741,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_theme","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1735","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/tpbn.net\/alakra\/wp-json\/wp\/v2\/posts\/1735","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tpbn.net\/alakra\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tpbn.net\/alakra\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tpbn.net\/alakra\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tpbn.net\/alakra\/wp-json\/wp\/v2\/comments?post=1735"}],"version-history":[{"count":10,"href":"https:\/\/tpbn.net\/alakra\/wp-json\/wp\/v2\/posts\/1735\/revisions"}],"predecessor-version":[{"id":2220,"href":"https:\/\/tpbn.net\/alakra\/wp-json\/wp\/v2\/posts\/1735\/revisions\/2220"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tpbn.net\/alakra\/wp-json\/wp\/v2\/media\/1741"}],"wp:attachment":[{"href":"https:\/\/tpbn.net\/alakra\/wp-json\/wp\/v2\/media?parent=1735"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tpbn.net\/alakra\/wp-json\/wp\/v2\/categories?post=1735"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tpbn.net\/alakra\/wp-json\/wp\/v2\/tags?post=1735"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}