The Hippo


Credit Application in Car Buying Manchester NH

If you feel it is inappropriate for the salesman to be asking you to fill out a credit application, then simply refuse. The only time you have to fill one out is when you are sitting at the desk actually buying your vehicle.

Autofair Toyota Of Manchester
(603) 624-1800
33 Auto Center Rd
Manchester, NH
Clutch Repair,Fuel Injection Repair,Radiator Repair,Tune up Repair,Auto Dealers

Big Als Custom Car Care
(603) 483-2031
200 Raymond Rd
Candia, NH
Brake Repair,Engine Repair,Fuel Injection Repair,Service Stations,Tune up Repair,Auto Dealers

M and M Ford
(603) 736-9323
Route 28 N
Epsom, NH
Alignment Repair,Auto Body Repair,Fuel Injection Repair,Radiator Repair,Truck Auto Body,Tune up Repair,Used Car Dealers,Auto Dealers

Merrimack Street Garage Inc
(603) 623-7297
220 Union St
Manchester, NH

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International Cars Ltd Inc
(603) 669-8900
785 Goffs Falls Rd
Manchester, NH

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Dobles Chevrolet Inc
(603) 669-8480
1250 S Willow Street
Manchester, NH
Clutch Repair,Auto Dealers

Best Honda Cycle Center
(603) 889-0161
579 Amherst Street
Nashua, NH
Motorcycle Fabrication,Motorcycle Repair,Truck Dealers,Used Car Dealers,Auto Dealers

M J Imports Sales & Svc
(603) 668-1800
416 Lake Ave
Manchester, NH

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Cy & Don's Used Cars
(603) 669-1541
61 Maple St
Manchester, NH

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New Hampshire Additions
(603) 625-9415
2150 Candia Rd
Manchester, NH

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Credit Application in Car Buying

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When I visited a dealership recently, the first thing the car salesman wanted me to do was fill out a credit application. This is before we discussed price or anything. Why did he insist that I fill out a credit application first?

In any game of strategy, the more you know about your opponent, the better. So in this case, the car salesman intended to use the info on your credit application to obtain copies of your personal credit reports in order to learn as much about you as he could. What kinds of info can he uncover about you from your credit reports? With just a glance he can learn:

  • Where you live and work
  • How long you've lived in your current residence
  • How long you've worked at your current job
  • Your credit history for the past seven to ten years
  • How much credit you now have available
  • Your debt-to-earnings ratio

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