How old is this video? Why do I understand the language? 2007 or 2008? Please don't lie. Please play nice I just need to know. Is it really America? How did you learn how to do that?
They give me the world on a a silver platter but it is more important than any other score if you want a good interest rate and love that he walks away
@@justaguywholikeshentai2182 for people like me who can't get what they are saying unless i see subtitles, the cc options doesn't say the right words sometimes
A nice down payment and a credit score of 810 got me the car that was “not available,” a donut, a coffee from Starbucks, a balloon for my kid, and a free car wash every week for a year. 🥴
My Dad asked me eons ago "do you know the difference between old money and new money?" "What Dad?" "New money shows off, old money has money because you save money. A new expensive car or a year or 2 old car will both take you where you want tp go.". A wonderful life lesson st a tender year. I tell others and hope this helps others. Stay in your budget. Stay under the budget. You do not need to spend it. Impress no one. Stay humble.
Old money? Not sure you have a clue. We tell someone to get us this or that car and it shows up in our garage or an outbuilding. I did recently personally buy a Tesla myself but I simply did it through the app in 10 minutes. It was delivered 16 days later from their Fremont factory. Edit: That was harsh and uncalled for…sorry. You are right and good advice to young and old alike. Funny thing is when you inherit wealth, you inherit the family financial people who move money around, create corporations, it’s almost takes on a life of its own. I have a law degree, in my 60’s and still have to research what’s going on at times.
I would say your right but nowadays some of the older year or two cars now sell for at or above the new models. Doesn't really apply anymore until the car market stops being fucky wucky.
Same with banks lol. I remember when I was around a 500 back in the day and hardly 100 in my account, they scuffed at me. Now it's like a red carpet event lol
I used to work at a used car dealership and I gotta say this is pretty much how it goes. But Mr. 400 gets the cops called on them for loitering while looking at the cars on the lot.
When I finally paid off $50,000.00 in student loan debt and paid off the car note, my score went from a 815 to a 739. Let's be clear, a credit score isn't how responsible you are, it's how willing you are to pay for things you can't afford... long term... on credit.
@@lilolme69 Good on you. I'm working towards that zero! Unfortunately, right now I have a fantastic credit score. I should be in the zero score club before the decade is out.
Yo this is pure facts. When I was in the early stages of house hunting I told a realtor I had an 810 credit score she nearly choked on her water lol. Another realtor got pissed off when I didn't go with him. These people are savages lol.
@@pumpkin_it_slawson3588 Several years ago. I got the house. Now my credit score is 850. I don't trust them any more because I uncovered some shady crap.
Had my eye on a new Corvette a few years back, the salesmen at the dealership was excited when he heard my FICO score was 845, but got real sad when I wanted to grind him for an All Cash Price ! The money is in the financing for them.
I remember going to buy my car, as international i have no credit so i was paying in cash... They would barely pay attention to me, i was stun how someone willing to put down 40k for a car in a single transaction would be almost ignore, eventually i found what i was looking for through the manager himself xD
To be fair, you should always finance with that kind of credit score. Thats a 0-2% rate. Inflation will eat all of the interest. Unless you’re just loaded and it doesn’t matter to have $60k on hand.
@@mikehawk9784 Well, part of the reason that my wife and I have that FICO score if because we pay ALL of our credit cards in full every month, and we have multiple platinum cards with over 100K in available credit which is rarely leveraged by more than 10%.
@@bigdogbob845 Credit cards are different because the utilization rate affects your score dramatically. But carrying low interest loan doesn’t hurt at all unless you have very high debt to income ratio.
@@bigdogbob845 You’re right on about credit card balances. High balance, bank sees someone overextended. But this doesn’t apply to auto loans. Stretching out low interest loan for 6 years maximizes the positive impact on your score. And since inflation outpaces that interest rate, that’s just how I prefer to do it.
700 - 800 scores are not difficult to achieve in a relatively short amount of time as long as you can continually pay your bill and not have any strikes or hits. I have a high credit score, but you would never know as I drive an old car, live in an old house, etc. But the credit is good to have when you say need an emergency loan to fix a broken water pipe or something. Just never bite off more than you can chew.
Car and house is more than enough already. I've bought all my vehicles through private Sale. And have a mortgage under my name at the age of 22, but im looking to buy a new home. And I didn't start building my credit till I was about 19-20
so I've always used a debit card to pay from my bank account, does that meaning paying with a credit card is better? I always had money on hand in my bank account so never saw the need for a credit card but now I realize it's better to have a credit card with good credit to get loans and stuff, is that correct? Also I'm 25, how long will it take me to get good credit if I pay my credit bills on time every time?
@@egg-iu3fe Get a credit card and use it for everything that you would use your debit card for. The easiest thing is groceries, then pay off the card right away. Never use it to buy stuff that you want but can't pay off right away. Think of your credit limit as your emergency fund- only max out a CC if it's a real emergency. Other than that, it's easy to build credit this way. Just keep your credit card balance around 10%. Also, each card has benefits that you can allocate. My card has 3% savings on gas, food or airline tickets but i can only choose one and can change that option once a month. And later on youll get better stuff like free towing and discounts on hotels etc.
I have over 800 and went to get a car. I told them I was just shopping around but they insisted in running my credit. I said fine and he came back excited and said I can pick any car “I know you won’t be missing a payment.” His smile turned into a frown when I asked for the out the door price and realized that my intend was to pay in cash.
You are 100% true! I have a 0 credit score and always pay cash... they don't like me. I've found the best thing to do is just buy classic cars for cash, those guys love me.
its true with that score or higher was able to finalize deal in 30 mins and told salesmen I did not want to buy anything from the finance manager very stress free. love all your videos
When I walked in to get my 2023 Civic, and they found out my score was 820, it was basically this. Sales rep was super informative, professional, and matched my energy pretty well. The test drive was full of friendly back and forth, and signing was stress free. 4.19% interest, and I own in full in 2 years. Get that score up guys, shooting for 850 this year
Now you’ve gotta do one about when the customer says he’s got an 800, wants a $70k truck and then you pull his credit app and comes to be about a 450 and gotta get him on a wholesale unit 😂😂😂
Years ago in the car biz, an 800 was not the best customer…….we found 600ish were the most friendly………800s would commonly walk right in the middle of the process, bc the commitment to make a large purchase of depreciating asset is not something they’re comfortable with, that’s why they are 800s!
I know my father said that a car salesman told him while he was wearing a T-shirt and jeans that he walked up to buy a car and it was easy to finance him it whereas the salesman has people coming in suits and ties that can't get approved for anything. He still has good credit but at his age he won't be financing any more cars.
I was at 806 when I bought my last car, no trade in. No different treatment but I let them think I was financing until we agreed on a price then said you know, i think I'll just pay cash you shouldve seen their heart drop with no kickback from the finance fees. BTW I keep a car for a long time, I went from a 1996 Ford F250 to a 2007 Toyota Tacoma TRD in 2009, I'm still in the Tacoma.
@@TheCobruhAlienat0r Credit Karma is normally off by quite a bit, you're better off getting it directly from Experian, Transunion etc. You're legally entitled to be able to see your full credit report 3 times a year also.
@@ns7353 - if you measure your financial success by a credit score, you’re barking up the wrong tree. All a high credit score means is that you are able to manage DEBT effectively. I have no debt outside of what’s left on my mortgage which will be paid off in 5 more years. I don’t borrow money so I don’t stress my credit score. I’ll assure you that my net worth exceeds most people with 800 plus credit scores.
I stay in Georgia and was looking to buy a 2018 corvette c7 and the dealership was in Jacksonville Florida….the salesman seen that I had a 800 credit score and offered to drive from Jacksonville Florida to Georgia to pick me up and back to the dealership sense my wife couldn’t bring me because of work and he actually did it lol
@@charlesbrown4483 about a 2 1/2 hour drive….He was telling me that he was a new salesman at that lot and he was almost 3 months behind on his own car payment because he had moved from Virginia and even though he was already a salesman for the company they still made him go through a 3 month training course with no pay because he moved and it put all of his bills behind so yeah for that commission he decided to risk being in a car that far away with a total stranger lol
He said happy ending, happy ending? Lol That's how they treated me when i brought my bronco sport last year lol. Telling me bout the family n everything 🤣
*last time i went to buy a car with my 790 credit score this is almost exactly how i was treated. i just didn't get a bicycle but i got a teddy bear though.*
Last time I checked I had an 842 TransUnion and a 810 Experian. I have a few CC and rental property as well as my main home (mortgage). But I pay cash for literally everything. I don't like debt and I have very little of it. I frankly don't like car dealerships, I try to avoid at all costs, buy from private and if I have too interrogate the sales people like crazy before I pay in full.
@@sticky4824 what are you asking specifically? Are you asking what’s the difference between a 700 score compared to like 800?..If that’s the case, the difference comes with your ability to qualify for types of credit and low interest rates on loans. The better your score the lower your interest rates. Is that what you’re asking?
@@td3141 quick question, I’m at a 24% interest rate with my car, should I re fiancé since I’m close to a year and make principle payments on top of the monthly bill or run my credit get a lower interest rate and still do principle payments????
Reminds of when I bought my first car. My mom told me to get a credit card, explained how credit scores work and I also did some research of my own. I only used the card for the purpose of perfecting the score. After some time we went to a dealership and the salesman was such a jerk the entire time until he ran my credit. He was shocked (and so was I). 825. And, immediately after that it went to crap lol.
@@thomasardizon1430 They just look at your job and your income. No job or too low of an income means no loan. There's nothing else you can do to get that loan besides having a good paying job.
@@LV98. Wow! Learn something new everyday! In america, we're slaves to our creditors, if you finish paying off a loan, it drops like 50 pts. There's a lot stupid arbitrary rules that will cause your credit to tank. The European way makes more sense!
@@f0repl4y That's because the US is built on credit. It's rediculous if you think about it, when you pay off a loan you get punished instead of rewarded.
Last time I was in a dealership I asked the salesman if I could have some water and he told me there was vending machines in the hallway. I picked myself right up and walked out. That's not how you treat a customer before a business deal. Told me everything I needed to know about how they were going to fugg me going forward.
Ha ha...treated like a king with a score that high. I know this to be true because my dad has a high credit score and they tended to him like the most valuable customer. Never understood it at the time but now I know.
Happy to be in the first 500 subs, keep putting out content because its very funny and original, comedy from real life, i predict this channel will blow up 💣
Cash is still king! Paid for a truck, only dealership that had one was 3 hours away and they delivered it to my house the same day with another employee who followed in a separate vehicle to drive the other guy back. Excellent service!
My experience; I mentioned my credit score (675) to the salesmen and he seemed to lose interest in helping... until I told him I had $6K cash for down payment. It was closing time and here I am, drinking a venti Pike Roast eating a danish.. 😂 😂
Actually, a 675 credit score should be an easy sale to a bank unless your debt to income ratio is absurd or your credit file is extremely light. I worked for credit unions (I was a compliance consultant), both of them would have been very happy with a 675 credit score.
Bruh... my Experian score is 799. It went down to 796, and then few months later it went back to 799. It won't let me pass the 800 mark. >:( That's like my English teacher in 6th grade, when I got an 89.5, if she could round it up to a 90, and she said "no honey, sorry" with a smile.
And yet when i walked into a dealer with cash in hand for a 14k 5yr old used car they literally had NO idea what the hell to do with me. Actually ran my credit despite me telling them 9 times cash only. Then they couldnt even figure out how to take payment and required management approval and cashiers check… it was sad and funny
That’s cause they ain’t making no money off of you. You were better off putting down like 20% on the car you wanted and getting a 36 month no interest loan and pay it off early. You are what we call in the biz “playstation” cause you played yourself
I was talking with a guy the other day who git a $2,000 discount on a car for financing it instead of paying cash. Financed it, then paid off the loan in full the next day. "Thanks for the 2 grand."
They get stuff from the bank if you buy it with credit, but if you paid with cash they got nothing. Thats why most of the time they wont entertain you if you buy cash, unless you buy some expensive car.
I wish they treated me like this. I have an 815 and they ran two checks and tried to get me a 5.7% APR. I was like....I thought we had a convo about how I had a great score and why did you run two checks and give me this BS APR. I ended up leaving that spot and going somewhere else.
Last time I bought a car about 4 years ago they kept asking about how I wanted to pay and what my trade in was and all that. After I figured out what they wanted for the couple vehicles I was looking at I just told them look, I got $15,000 cash and I’m buying a car today one way or another. Left not half an hour later with a nice low mileage Sorento that I still drive today. Fooling with banks and credit unions and payment plans is just a way to siphon off your own money. Unfortunately I’ll probably have to do it one day when it comes to buying a home, but for now I’ll keep my money safe from the wolves.
Meanwhile, my credit score was over 750 for at least 3 years and I kept getting denied for every type of loan. Unfortunately, I got screwed by greedy corporations and breaches of contracts, etc these past two years, so I'm filing 6 lawsuits at the same time to get my rightfully owed $100,000+ in damages (according to the attorneys I've spoken to.) Hopefully I don't have to wait 7 years after fixing this mishap that was out my control. One of the contracts was for a remote job, requiring me to lease a quiet work-from-home environment. They fired me day 4 and stuck me with the 12 month apartment lease unable to pay the buyout fee.
99% of the time 800 scores will you know early. In 7 years I only had one lie about being an 800. They are usually very proud of their score. I work for Toyota most customers have high scores. When I worked for Chevy seeing an 800 was pretty rare.
Don't forget to subscribe!🙏
#HappyENDING👍🏿
No.
my score is 820
How old is this video? Why do I understand the language? 2007 or 2008? Please don't lie. Please play nice I just need to know. Is it really America? How did you learn how to do that?
They give me the world on a a silver platter but it is more important than any other score if you want a good interest rate and love that he walks away
When he gave him the coffee and called him mr 800 I lost it 😂😂😂
nah that was the redbull and vodka just for him 😂
I'm the 600th likes! Guess y'all can call me Mr 600
@@RIFLQ no
@@edwardssistershands nice
😂😂😂😂😂
“You know you kin to us now; you getting invited to all the cookouts.” LOL 😂
That’s the part that got me lmao
@@vincentlawrence5603 sameee lmao
I, too, watched the video.
Why do people feel the need to repeat what was clearly already said in the video?
@@justaguywholikeshentai2182 for people like me who can't get what they are saying unless i see subtitles, the cc options doesn't say the right words sometimes
A nice down payment and a credit score of 810 got me the car that was “not available,” a donut, a coffee from Starbucks, a balloon for my kid, and a free car wash every week for a year. 🥴
what dealership bruh??
You settled should have walked out that door
Yeah "free car wash"
@@hikingbird42 dead ass you could've had the whole box of doughnuts and a massage
Don't forget the Disneyland pass
“Happy ending?” Had me dead 💀
stg😭😭😂😂😂
They got that tuggie service
Same
If a woman had asked that the reply would be different 🤪
He squeeled it too 😭😂
Car Dealer: "Sir do you have a GF?"
Mr.800: "No I do not"
Car Dealer: "I just talked to the manager, he'll take care of you real quick"
@@rubyruby7573 generally debt is usually much better than straight cash in a lot of situations. But to each its own
I love that pic and name lol
@@patchouli9 mr 800 ain’t gonna be given no hoe off the street.
@@humantrash7980 say that again with these 7% interest rates
Oh no girlfriend so this is the managers daughter she likes long walks on the beach.
My Dad asked me eons ago "do you know the difference between old money and new money?" "What Dad?" "New money shows off, old money has money because you save money. A new expensive car or a year or 2 old car will both take you where you want tp go.". A wonderful life lesson st a tender year. I tell others and hope this helps others. Stay in your budget. Stay under the budget. You do not need to spend it. Impress no one. Stay humble.
Old money? Not sure you have a clue. We tell someone to get us this or that car and it shows up in our garage or an outbuilding. I did recently personally buy a Tesla myself but I simply did it through the app in 10 minutes. It was delivered 16 days later from their Fremont factory. Edit: That was harsh and uncalled for…sorry. You are right and good advice to young and old alike. Funny thing is when you inherit wealth, you inherit the family financial people who move money around, create corporations, it’s almost takes on a life of its own. I have a law degree, in my 60’s and still have to research what’s going on at times.
I would say your right but nowadays some of the older year or two cars now sell for at or above the new models. Doesn't really apply anymore until the car market stops being fucky wucky.
in my case a 20 year old car, not 2 years old.
Old money doesn't save, it creates
I remember when my shit was 790. Mfer took me to Olive Garden for lunch while they worked out all the details and washed it
😭😭😭
Explains why I got no treatment.... I paid cash......
😂😂😂
@@TraceguyRune 😂😂😂
@@TraceguyRune lmao….HELL NO! To them, you’re the worse type, lol. They can’t make any money off you 🤣. You gotta buy your own damn Olive Garden lmao
100% true, I remember the 450 score days compared to the 800 score days 😂🤣😂
The difference is night and day eh
Same with banks lol. I remember when I was around a 500 back in the day and hardly 100 in my account, they scuffed at me. Now it's like a red carpet event lol
Lol I had asked my bank if I could open a card when I didn’t have credit and they basically ran me off now I’m a “VIP”
You didn’t forget where you came from. 💯
damn bro 450 is struggle city
My credit so good the salesman hooked me up with his niece. She was a banger!
Too good to be true
That just the perks of being 1300 credit score
The benefits are endless!
😂
🤣😂🤣😂🤣😂😂🤣🍾
bro imagine killakay coming out as the manager, clicking that pen, epic!
That’ll be so damn funny lmao
They should collab for sure.
Ikr that would be funny
Ultimate anime mash up
Killakay is definitely doing his thing. He is funny as a mother fucker. I’d probably loose it if I seen him come out clicking a pen. 😀
This man ain't lying I was treated like royalty after pulling my credit report tried showing me cars around 65k vs the 27k one I wanted real bad 😂
Just bitch slap em if they try to upsell you lol. It's your money, not theirs. Tell em to back tf up
lol 😂
Wanting the 27K car versus the 65K car you qualified for is a big part of building that high credit rating.
That’s one hell of an establishment that allows him to make all these videos. ITs actually pretty funny material.
Its free advertising for them
@@Josiuh S M A R T
They literally have no cars. What else are they going to do.
Bro tucked his shirt in 💀. Keep grinding bro!
I used to work at a used car dealership and I gotta say this is pretty much how it goes. But Mr. 400 gets the cops called on them for loitering while looking at the cars on the lot.
Ahaha
Mines 800 too, hopefully I'll get the same treatment.
I'm just started building my credit up I'll be up there with you soon lol
Im close to 800 I want this treatment 😂😂
Mine went down to 824.😪
@@brianbird3756 what is the max of credit?
Mine*
I died when he straightened out dude’s pant leg! Lmao 🤣
That was too funny. He said, "Let me get you right." 😆.
"I know your back hurts from paying all them bills" 😂
I know that's right! That's why they don't cater to people like me with 0 credit score and cash.
Shit is gold
Mr. 800 😂😂😂
When I finally paid off $50,000.00 in student loan debt and paid off the car note, my score went from a 815 to a 739. Let's be clear, a credit score isn't how responsible you are, it's how willing you are to pay for things you can't afford... long term... on credit.
Congratulations on the correct answer! I'm living large with my 0 credit score.
Your right. I paid off my mortgage and my credit score dropped 15 points.
@@Demodex42 Now try to get it to 0 and you will be LOADED!
@@lilolme69 Good on you. I'm working towards that zero! Unfortunately, right now I have a fantastic credit score. I should be in the zero score club before the decade is out.
Dave is that you?
You been paying down them bills so I know your back hurt.. 😂😂😂😂
Yo this is pure facts. When I was in the early stages of house hunting I told a realtor I had an 810 credit score she nearly choked on her water lol. Another realtor got pissed off when I didn't go with him. These people are savages lol.
Fukin leeches 😂
How long ago was this that you were house hunting?
I swear realtors are the scum of the earth. Mfs will do anything for that 3% commission.
@@pumpkin_it_slawson3588 Several years ago. I got the house. Now my credit score is 850. I don't trust them any more because I uncovered some shady crap.
I know. When I resell, they only getting 2%.
Had my eye on a new Corvette a few years back, the salesmen at the dealership was excited when he heard my FICO score was 845, but got real sad when I wanted to grind him for an All Cash Price ! The money is in the financing for them.
I remember going to buy my car, as international i have no credit so i was paying in cash... They would barely pay attention to me, i was stun how someone willing to put down 40k for a car in a single transaction would be almost ignore, eventually i found what i was looking for through the manager himself xD
To be fair, you should always finance with that kind of credit score. Thats a 0-2% rate. Inflation will eat all of the interest. Unless you’re just loaded and it doesn’t matter to have $60k on hand.
@@mikehawk9784 Well, part of the reason that my wife and I have that FICO score if because we pay ALL of our credit cards in full every month, and we have multiple platinum cards with over 100K in available credit which is rarely leveraged by more than 10%.
@@bigdogbob845 Credit cards are different because the utilization rate affects your score dramatically. But carrying low interest loan doesn’t hurt at all unless you have very high debt to income ratio.
@@bigdogbob845 You’re right on about credit card balances. High balance, bank sees someone overextended. But this doesn’t apply to auto loans. Stretching out low interest loan for 6 years maximizes the positive impact on your score. And since inflation outpaces that interest rate, that’s just how I prefer to do it.
Would have been funny if “last I checked” was 3 years ago and they find out they gave the Mr. 800 treatment to a Mr. 400 😂
That's what I was expecting at the end
@@lilolme69Bro casually uses some weird emote like it’s nothing
@@lilolme69Hell nah you using the LG fridge emotes
@@Park_Place Are you any relation to the guy they call Dirty? Dirty Sanchez?
@@lilolme69 Yeah you're looking for D_Sanchez
A sales guy actually left me in the parking lot when I had terrible credit. Now I have a 773. Royal treatment lol!
I'm sorry. You should have tried to get your credit score down to 0, not up and then you could pay cash for anything you want. Re-evaluate.
700 - 800 scores are not difficult to achieve in a relatively short amount of time as long as you can continually pay your bill and not have any strikes or hits. I have a high credit score, but you would never know as I drive an old car, live in an old house, etc. But the credit is good to have when you say need an emergency loan to fix a broken water pipe or something. Just never bite off more than you can chew.
Car and house is more than enough already. I've bought all my vehicles through private Sale. And have a mortgage under my name at the age of 22, but im looking to buy a new home. And I didn't start building my credit till I was about 19-20
so I've always used a debit card to pay from my bank account, does that meaning paying with a credit card is better? I always had money on hand in my bank account so never saw the need for a credit card but now I realize it's better to have a credit card with good credit to get loans and stuff, is that correct? Also I'm 25, how long will it take me to get good credit if I pay my credit bills on time every time?
@@egg-iu3fe I would get a credit card. Just even a capital one 500 dollar one to build credit. It doesn't take that long within 1 year
@@egg-iu3fe also look up credit utilization that is KEY! to getting your credit score up
@@egg-iu3fe Get a credit card and use it for everything that you would use your debit card for. The easiest thing is groceries, then pay off the card right away. Never use it to buy stuff that you want but can't pay off right away. Think of your credit limit as your emergency fund- only max out a CC if it's a real emergency. Other than that, it's easy to build credit this way. Just keep your credit card balance around 10%. Also, each card has benefits that you can allocate. My card has 3% savings on gas, food or airline tickets but i can only choose one and can change that option once a month. And later on youll get better stuff like free towing and discounts on hotels etc.
I have over 800 and went to get a car. I told them I was just shopping around but they insisted in running my credit. I said fine and he came back excited and said I can pick any car “I know you won’t be missing a payment.” His smile turned into a frown when I asked for the out the door price and realized that my intend was to pay in cash.
You are 100% true! I have a 0 credit score and always pay cash... they don't like me. I've found the best thing to do is just buy classic cars for cash, those guys love me.
@@lilolme69 ok, dude. You are so full of shit. It's literally impossible to have a 0 credit score. It stops at 300.
Why do they not like you to pay cash?
@@philochristos- They make a lot of money when you finance the car.
@@jackmandu How does that work? Does the bank give them a kickback or something?
As someone with an 800 score, I need to go to this dealer.
Perfect credit is half the battle, the other half is having great income.
@Sneakycastro69 What would they consider great income?
@@hawkeye4324 Depends what you wanna buy. A 300k house they would require at least 80-85k a year
They’ll loan you more than you make if your credit is right! And that’s how you get bad credit, borrowing more than you can afford.
I just wanna say, I'm an aspiring comedian, and your videos have definitely convinced me to take the first step, you're killing it out here man
Follow your dreams. Good luck to you.
You got this fam follow the dreams before its too late.
Win or lose atleast you seized the moment
Just don't spam the comment sections about how awesome you are
You most likely are a comedian that needs to begin his journey to becoming a professional comedian.👍
Had to add “aspiring” before calling himself a comedian for insurance purposes
its true with that score or higher was able to finalize deal in 30 mins and told salesmen I did not want to buy anything from the finance manager very stress free. love all your videos
“ Happy ending “ lmaoo and in the oriental high pitched voice
Even with a 800 credit score Dealers still try and offer you 650 credit score interest rate.
"I've got red and vodka in the back"
...
"You know, I will take that though."
Killed me
When I walked in to get my 2023 Civic, and they found out my score was 820, it was basically this. Sales rep was super informative, professional, and matched my energy pretty well. The test drive was full of friendly back and forth, and signing was stress free. 4.19% interest, and I own in full in 2 years.
Get that score up guys, shooting for 850 this year
Have u reached 850 yet I’m genuinely curious
4.19%?! When I got my cars, it was 0.9% and 1.9%. My credit score was even lower than yours (just barely though.)
I fuckin died when dude heard 800 and started tucking his shirt in lmao.
The way he gets up every single time 😂
The way he be jump up have me crying 😂😂😂
Now you’ve gotta do one about when the customer says he’s got an 800, wants a $70k truck and then you pull his credit app and comes to be about a 450 and gotta get him on a wholesale unit 😂😂😂
Years ago in the car biz, an 800 was not the best customer…….we found 600ish were the most friendly………800s would commonly walk right in the middle of the process, bc the commitment to make a large purchase of depreciating asset is not something they’re comfortable with, that’s why they are 800s!
The smartest comment in this section!!!
You know what my experience was just like this after they checked my credit I told them I was in a hurry and dude was literally running everywhere 😂
He said you need a massage bc yo back must hurt paying all them bills lol
It all comes to an end when you say “I have my own financing, thank you”
My parents have 800 credit and this is accurate. They switch up right quick when they learn the credit numbers.🤣
I know my father said that a car salesman told him while he was wearing a T-shirt and jeans that he walked up to buy a car and it was easy to finance him it whereas the salesman has people coming in suits and ties that can't get approved for anything. He still has good credit but at his age he won't be financing any more cars.
So true 😂 I got my new Cadillac CT5, after running my credit it was hoppin. Even got invited to the bbq the employees were cooking up 😂
My man said "Happy ending, happy ending?" 🤣🤣
I'm finished 💀💀
I was at 806 when I bought my last car, no trade in. No different treatment but I let them think I was financing until we agreed on a price then said you know, i think I'll just pay cash you shouldve seen their heart drop with no kickback from the finance fees.
BTW I keep a car for a long time, I went from a 1996 Ford F250 to a 2007 Toyota Tacoma TRD in 2009, I'm still in the Tacoma.
Not bad. I picked up a 1999 Ford Ranger in 2004. I still have it
As a car salesman, this goes completely different after they say that they got that score from Credit Karma 😭
Why's that?
@@TheCobruhAlienat0r Credit Karma is normally off by quite a bit, you're better off getting it directly from Experian, Transunion etc. You're legally entitled to be able to see your full credit report 3 times a year also.
How about FICO?
@@AG-jh4jj Experian will show you your Fico 8 score which pretty much everyone uses right now but Fico 9 & 10 are out.
@@lifeon2wheels837 just noticed these responses. Thanks for explaining everything.
When he kneels down and gets in his face “would you like any refreshments?” 😂
Ain’t no way he said happy ending 😂
I was looking for this comment😭😭
I knew I wasn’t the only one that caught that!🤣😂🤣😂
Got the all star treatment when I went to buy a brand new WRX. Had the pre approval check ready to go lol
Any score over 750 is pretty much going to you get you the best rate available. Anything over that is just bragging rights.
You virgin 700s will never reach the 800 chad score
@@ns7353 - if you measure your financial success by a credit score, you’re barking up the wrong tree. All a high credit score means is that you are able to manage DEBT effectively. I have no debt outside of what’s left on my mortgage which will be paid off in 5 more years. I don’t borrow money so I don’t stress my credit score. I’ll assure you that my net worth exceeds most people with 800 plus credit scores.
Exactly💯
I grew up being told by people around me any score under 750 is absolutely horrible and only for people who don't pay their bills on time
@@drcreeper08 - do your own research instead of relying on what your second cousin’s hairdresser’s nephew tells you.
HE SAID “you used credit karma to check your credit right?” 🤣🤣😂😂😂😂😅😅😅😅
I stay in Georgia and was looking to buy a 2018 corvette c7 and the dealership was in Jacksonville Florida….the salesman seen that I had a 800 credit score and offered to drive from Jacksonville Florida to Georgia to pick me up and back to the dealership sense my wife couldn’t bring me because of work and he actually did it lol
Damn lmao
Depending where at in Georgia that’s not too bad a drive considering his gas was probably paid for and he probably got a fat ass commission lol.
@@charlesbrown4483 about a 2 1/2 hour drive….He was telling me that he was a new salesman at that lot and he was almost 3 months behind on his own car payment because he had moved from Virginia and even though he was already a salesman for the company they still made him go through a 3 month training course with no pay because he moved and it put all of his bills behind so yeah for that commission he decided to risk being in a car that far away with a total stranger lol
@@PHONEPARTSFORLESS I’d have done the same, gotta do what ya gotta do lol.
People start talking to me in Spanish first, then they start speaking English as soon as 800 credit score leaves my mouth.
Man, you are one helluva actor!!! So funny.
This is my new favorite RUclipsr I can't stop watching these videos
I MISS SELLING CARS!!!! So much fun & stressful at the same time 💯
😂😂🤣🤣🤣🤣 lol i know thats right treated me like royalty when i got mines
He said happy ending, happy ending? Lol That's how they treated me when i brought my bronco sport last year lol. Telling me bout the family n everything 🤣
*last time i went to buy a car with my 790 credit score this is almost exactly how i was treated. i just didn't get a bicycle but i got a teddy bear though.*
Last time I checked I had an 842 TransUnion and a 810 Experian. I have a few CC and rental property as well as my main home (mortgage). But I pay cash for literally everything. I don't like debt and I have very little of it. I frankly don't like car dealerships, I try to avoid at all costs, buy from private and if I have too interrogate the sales people like crazy before I pay in full.
Lol. It’s a whole new world when you rocking 800 or more. They practically gave me a car.
What’s the difference I know the going rates and ect but like what’s truly the difference
@@sticky4824 what are you asking specifically? Are you asking what’s the difference between a 700 score compared to like 800?..If that’s the case, the difference comes with your ability to qualify for types of credit and low interest rates on loans. The better your score the lower your interest rates. Is that what you’re asking?
@@td3141 yea like say I have 600 score or like 650 will that extra 50 make a difference
@@td3141 just fully read this and ohhh ok
@@td3141 quick question, I’m at a 24% interest rate with my car, should I re fiancé since I’m close to a year and make principle payments on top of the monthly bill or run my credit get a lower interest rate and still do principle payments????
If a dealership doesn’t treat me like this I’m walking out
bro only if you got atleast 800 credit score
As someone with a credit score of 835 I can't say I've ever been treated like this :(
Reminds of when I bought my first car. My mom told me to get a credit card, explained how credit scores work and I also did some research of my own. I only used the card for the purpose of perfecting the score. After some time we went to a dealership and the salesman was such a jerk the entire time until he ran my credit. He was shocked (and so was I). 825. And, immediately after that it went to crap lol.
how do you perfect the score? havent learnt about credit cards
@@peppermeat8059spend a minimum of two percent and never spend higher than 9-10% a month of your credit limit.
Bro meanwhile in Europe this credit score thing doesn't even exist man. It's so weird they get all worked up about that in the US
How do banks measure ones ability to pay back a loan
@@thomasardizon1430 many Europeans don’t take out loans all that much!
@@thomasardizon1430 They just look at your job and your income. No job or too low of an income means no loan. There's nothing else you can do to get that loan besides having a good paying job.
@@LV98. Wow! Learn something new everyday! In america, we're slaves to our creditors, if you finish paying off a loan, it drops like 50 pts. There's a lot stupid arbitrary rules that will cause your credit to tank. The European way makes more sense!
@@f0repl4y That's because the US is built on credit. It's rediculous if you think about it, when you pay off a loan you get punished instead of rewarded.
Last time I was in a dealership I asked the salesman if I could have some water and he told me there was vending machines in the hallway. I picked myself right up and walked out. That's not how you treat a customer before a business deal. Told me everything I needed to know about how they were going to fugg me going forward.
I love how the salesperson voice changed all professional and crisp
Happy ending 🤣🤣🤣🤣 This Man is 👏🏿👏🏿👏🏿👏🏿
Ha ha...treated like a king with a score that high. I know this to be true because my dad has a high credit score and they tended to him like the most valuable customer. Never understood it at the time but now I know.
My man cuffing his pant legs “let me get you my boi” 🤣
Happy to be in the first 500 subs, keep putting out content because its very funny and original, comedy from real life, i predict this channel will blow up 💣
Cash is still king! Paid for a truck, only dealership that had one was 3 hours away and they delivered it to my house the same day with another employee who followed in a separate vehicle to drive the other guy back. Excellent service!
Bro the shoe check was gold
My experience; I mentioned my credit score (675) to the salesmen and he seemed to lose interest in helping... until I told him I had $6K cash for down payment. It was closing time and here I am, drinking a venti Pike Roast eating a danish.. 😂 😂
Actually, a 675 credit score should be an easy sale to a bank unless your debt to income ratio is absurd or your credit file is extremely light. I worked for credit unions (I was a compliance consultant), both of them would have been very happy with a 675 credit score.
When my boy pulled out the flip phone, my respect went through the roof. I still remember when "phone notes" became as common as a "car note". Smh....
Fixing his pants legs!!! LOOOOOOOL this is amazing. The phone "To: Mr 800" !!!!!
Bruh... my Experian score is 799. It went down to 796, and then few months later it went back to 799. It won't let me pass the 800 mark. >:( That's like my English teacher in 6th grade, when I got an 89.5, if she could round it up to a 90, and she said "no honey, sorry" with a smile.
Same with me. I’ve been bouncing between 790-793 the past 5 months! I wanna see that 800! ;3;
How many cards do you have and what are they?
800 requires having loan history. You won't get there with credit cards alone.
The “you know you kin now,you invited to all the cookouts” is wild😂😂😂
There's no WAY this man snuck in a "happy ending" in the massage bit💀😂
Nobody with an 800 score walks up asking if they can get approved.
This is real💯. I went to a dealer and they offered to order dinner for me while the paperwork was getting finalized in finance.
In this market even a 800 credit score doesn't get you much.
And yet when i walked into a dealer with cash in hand for a 14k 5yr old used car they literally had NO idea what the hell to do with me. Actually ran my credit despite me telling them 9 times cash only. Then they couldnt even figure out how to take payment and required management approval and cashiers check… it was sad and funny
They were shocked they couldn’t lock you in debt 😌
That’s cause they ain’t making no money off of you. You were better off putting down like 20% on the car you wanted and getting a 36 month no interest loan and pay it off early. You are what we call in the biz “playstation” cause you played yourself
Cash over 10K is issue snapperhead
I was talking with a guy the other day who git a $2,000 discount on a car for financing it instead of paying cash. Financed it, then paid off the loan in full the next day. "Thanks for the 2 grand."
They get stuff from the bank if you buy it with credit, but if you paid with cash they got nothing.
Thats why most of the time they wont entertain you if you buy cash, unless you buy some expensive car.
All I get is a bunch of credit card offers in the mail.
I wish they treated me like this. I have an 815 and they ran two checks and tried to get me a 5.7% APR. I was like....I thought we had a convo about how I had a great score and why did you run two checks and give me this BS APR. I ended up leaving that spot and going somewhere else.
The scuffle to get up gets me every time 😅😅😅
Last time I bought a car about 4 years ago they kept asking about how I wanted to pay and what my trade in was and all that. After I figured out what they wanted for the couple vehicles I was looking at I just told them look, I got $15,000 cash and I’m buying a car today one way or another. Left not half an hour later with a nice low mileage Sorento that I still drive today. Fooling with banks and credit unions and payment plans is just a way to siphon off your own money. Unfortunately I’ll probably have to do it one day when it comes to buying a home, but for now I’ll keep my money safe from the wolves.
The accuracy 😂😂 I had a 780, but same treatment. Usually. Anything over 760 will get you approved for anything within reason
Meanwhile, my credit score was over 750 for at least 3 years and I kept getting denied for every type of loan. Unfortunately, I got screwed by greedy corporations and breaches of contracts, etc these past two years, so I'm filing 6 lawsuits at the same time to get my rightfully owed $100,000+ in damages (according to the attorneys I've spoken to.) Hopefully I don't have to wait 7 years after fixing this mishap that was out my control. One of the contracts was for a remote job, requiring me to lease a quiet work-from-home environment. They fired me day 4 and stuck me with the 12 month apartment lease unable to pay the buyout fee.
Any update ?
I got a GOOD belly-laugh out of this! So awesome! 😂
He never even check to see his credit though. The man could if been lying. Lol🤣🤣 But the back part I'm done.
99% of the time 800 scores will you know early. In 7 years I only had one lie about being an 800. They are usually very proud of their score. I work for Toyota most customers have high scores. When I worked for Chevy seeing an 800 was pretty rare.
lol you need to watch part 2 of how customers with 800 credit get treated
😂 Aww man. He’s got a video on the 800 credit score. Love this!
“Mr. 800” 😂
0:23 the way he said "my boy" sent meee
This shit is so true
Not the docupad 😂
I'm 820, the credit card company owed me money for a period, and yet I still think owning a car is not in the cards for me in my lifetime.
Super happy with my Essan! Thanks!!