"Experian" *Consumer Auto Rip-off ADVISE..Car dealer's tricks with your credit and how they set your interest rate. Your "Fair Isaac Score"

I have read the r-o-r and it makes you think,
having been a auto tech how did i make my money
labor thats how,sales people with the sale and
finance make their money in what is called backend
with a 8.5 % buy rate if you sell at 11.5% you
made 3 points,it sounds like the stock market
because money is sold like a stock and if you
think that is bad how much is your house and what will you have paid over 30 years?

2.5 to 3 times the cost of the house? so dont think money or anything is free. The buy rate of money is based on your credit history so if you are unfortunate and have had some problems your score will be less than that of somone who has a 700+ score!

what i find inaccurate with the r-o-r or rip off report is it sounds as if all can get great interest rates even if you dont pay your bills
for whatever reason. So if you want to save on
finance charges GET YOUR OWN MONEY,credit union,
bank etc.after all why make the finance man work for free I dont do you? anyway it sounds like the
person that wrote the r-o-r has had one to many.

Ok Mr Rich, You and I both know that you F&I guys bend the consumer over every chance you get.

Selling warranties for double what you pay for them, telling car buyers if they do not get the Credit life Ins and a warranty that the bank might not process the loan, selling extended warranties to consumers that lease for two or three years. Selling your junky "Low Jack" for many times it's worth. In my eyes, your Low Jack is a cheap pager, you know $19.95 not $375.

Let's not forget about your "SPOT DELIVERY" program. You know, making the car buyer think they got the deal that they wanted and then call them back a week or two later and ask for more money to increase the size of your next pay check.

Charging car buyers what you call a "DOC FEE" of $200 up to $350. Charging a car buyer $200 to $350 for you to fill out the papers is a RIP OFF in it's self.

Let's also mention your "GROSS SHEET" that tells you how much you are charging for your hidden fee that you call a "PACK" A fee of $500 or more.

Letting the service department double dip the car repairs, charging the car owner and charging the carmaker or the warranty company, you know getting paid twice to do one job.

Let's talk about the companies that train you clowns how to make more profitable car deals, getting more of the buyers money, you know the ones I am talking about. Do I need to mention them?

www.grantcardone.com
www.davidlewis.com
www.joeverde.com
www.biggross.com
Do I need to mention more that are on my list?


You car CLOWNS hate the fact that you can't censor what we post on the net. No newspaper will expose your deception because you pay big bucks to advertise.

Car buyers are sick and tired of lies, deception, and your scams. So get used to the fact that we as consumer advocates are fighting back.

So, go cry to your desk manager or your GSM, or your do nothing GM, or maybe your crapped out team leader that is currently creating or developing his next scam for your local newspaper to print.

S. Bogart
Consumer advocate
bdbusinessbureau.com
stickB@ripoffreport.com