"We found you a lower APR on your car loan, come down and resign the papers..."

This is the #1 new car buying complaint I get every day: A common scam is the dealer calls 2 weeks after the sale to say "financing fell through, we need more cash", and they blame some black mark on your credit history. Another twist is they lie and say "we found you a lower rate, come resign the loan papers." Their scam was mapped out when you bought the car and they printed your credit report. Most sites give your report with score for $12-$15, be sure to add the credit score option. Most people mistakenly think credit reports are free. The only time you get a free credit report is if you're turned down for credit, then it's a no name bare bones report. Only a few states are free. You can get your credit report online from Experian, Equifax or TrueCredit. Most people don't know what's on their credit report, yet the car dealers have! Stop here, and Get Your Credit Report before you forget.