Quote:
Originally Posted by kaykay
This thread is all about having no previous history with BMW FS.
If you did, this thread wouldn't exist.
They don't know who you are and as good as your credentials might be, to them you're still a first time customer with some risk.
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Well, his credit dictates who he is. Everyone is a risk. Today you are on top of the world, the next thing you are struggling.
When I used to sell cars, i've had a client with good FICO scores but couldn't get a loan because they owed a lot. THen again, I've had a client who had 495 FICO, got him financed at 5.9%. It is the history of car loans and how well that person handled it.
IMO OP, you ought to try a different dealer. LIke I always say, if it doesn't feel good, then walk away. Listen to your gut feeling.