We met Jay in July because he had become smitten with a hot, new vehicle.

He'd successfully negotiated down from the original MSRP to just more than $21,000, and he could already feel the exhaust rumbling as he peeled out of the lot...

And then he was yanked back to the red light of reality: a bad credit auto loan.

"I'm very sorry. I'm afraid we cannot continue without a cosigner on this loan."

SCREEEEECH!!!

Confused and frustrated — but still intent on purchasing the new vehicle — Jay came to Veracity for help with his bad credit. Through a careful credit report analysis, five separate areas of his reports were identified that could be improved upon quickly.

Among other things, several unrecognized credit card "late payments" and a mysterious collection listing from 1999 had lowered Jay's credit score to a 578.

Veracity credit repair actively disputed the late payments and collections accounts, and Jay saw deletions 63 days after his bad day at the dealer. No more "bad credit auto loan" for him. Jay was set with a better credit score … and more buying power.

As the leaves were changing and convertible cruising was beckoning, Jay strolled into the dealership, obtained immediate financing with his new 667 credit score, and drove off into the sunset in his sporty new ride. That's how a car loan should go!