I traded in my car and I brought a copy of my credit report showing how high my score is, they said that they didn't use the fico scoring, they used the beacon scoring and that my score was much lower with beacon, and I would have to pay a higher rate. They quoted me 439 dollars monthly on a 16k car. I have some finance experience and knew the payment should be no higher than 350 and said I was leaving. Then they lowered it to 350. They only had one finance agent available and we had to wait until 1 a.m. to meet with him.We took the... read full review »