It wasn’t that high, when we got our Tiguan it was 785? Something around there. I watched the dealer do everything they could to get people in the program.That's usually for tier one credit. A good F&I guy has tricks for screwing [some] people out of that and moving them to a bank he prefers to deal with. Then he can get a piece of the pie and load his pockets up a bit more. Smart people know their credit score before they walk into a dealership and finance a car. They also shop loans on their own. Occasionally a savvy shopper can get a better rate from a dealer than on his own, the key is knowing how to work the dealer.
My days for selling cars are long gone, and the banking industry might have changed a little bit. But a good thief F&I guy just changes with the times.