Randy has a very common surname, but the real problem is probably his credit history.
Credit score. Yes. And that reminds me, Friday I took delivery of a 2011 CPM (certified pre-owned mercedes) C-300 4MATIC with 15K on the clock. This is such a nice car. Black, Luxury package.
We were looking 2014 Fords but you know, how do you compare a Ford to a Benz? Not much more dollars than the Fords and all wheel drive. CPM financing with automatic withdraw is 1.7% APR. Something to consider when buying your next 4 door. All this from a guy who as late as 10 years ago would only buy Fords or GM.
This BTW is replacing our 2005 Mercedes C 240 which had 215K miles. Mrs. fatboy wrecked it two weeks ago. Not a scratch on her, but the car ended up in a creek. On that car, which we purchased as a private sale, I did all the work on it myself. It did need to spend some time in the shop, which of course isn't going to happen now.
But why am I writing all of this? To brag? Yes, but also to say that I'm not like some highly paid wealthy individual. But I watch what I do with my (our) money. And while my better half Mrs. fatboy (neither fatboy or Mrs. fatboy are even close to being fat) has a job also, only my income was used on the finance application. There is something kind of nice when the finance people in the largest MB dealership in PA tells you that you have an excellent credit score and could qualify for about 90% of the cars they have on the lot. Some of those cars cost real money.
I'm always amazed to read in the local paper where someone is in credit default for 1000-2000 dollars. Why? How?