In my time of assisting our lending partners I have seen a lot of different scenarios and a lot of different outcomes. Recently, I talked with a finance manager that had two customers. The first clearly had a better credit score, more stable income, and less bad credit history than the second. In the end, the second drove off with a car and are well on their way to re-establishing positive credit. The first is still without a car and at this point may be on their way to not being able to buy one at all.

What happened? Well, first off, this plays out over and over without, it seems, a way to prevent it. Both customers were contacted. The second customer was patient and diligent in providing all of the documents and information the finance manager requested. When it came to being a little flexible on things, they realized that they needed to get re-established before they could ask for the world. They were happy to do what it would take to make it work.