Home Credit Application: Fill & Download for Free

I emailed to a dealership in Maryland after their website indicated that they had the vehicle we were looking for, with all the options plus our choice of interior and exterior colors.I went to check it out. The novice salesman started taking down my personal details… when I refused, he said that was routine for a Credit Application.To my, “I don't want a loan,” he said “But we got good rates.”“No. I have a Cashier's Check for $40k, and I will pay the rest by a Credit Card or a check, if necessary.”Dumbfounded, he sheepishly said “OK, but I still need to take down a CREDIT APPLICATION,“ he persistently said.“Noooo. You don't seem to understand the process. What you need to draw is a Bill of Sale! Let me talk to someone who knows what to do, how to do it, and do it right—the first time.”With that, I went to the Reception, gave my business card, and asked to see the dealership’s Manager. The chap who came to greet me turned out to be one of the VPs and the General Manager of their Mid-Atlantic sales. With him, I went over the specifics, told him what I was willing to pay for it, needed no loan, test drove the vehicle, called my insurance agent to fax a binder to the dealership and completed the formalities while the vehicle was being prepped.Oh! Before I left, the salesman asked me to give him a 5-Star review. Seriously?“If I were you, I won't hold my breath.”I said with a smile.Within less than 90 minutes—start to finish—I was home, with the new vehicle parked in our driveway.

What we did was start every customer with an interview. We would sit them down at a desk, build rapport, offer them a beverage and ask a standard set of questions designed to match them with a vehicle that would suit their needs.Serious buyers would typically embrace this step in the sales process. Joyriders would balk and say things like "before we go further I would like to drive the car and see if I like it." It becomes obvious what their intentions are.It's laughable, because I've never met anyone who's driven a M6 or a Ford GT and say they didn't like it. So when they continue to push for the ride, I would deftly say things to close the sale like "Everybody likes this car - you would be the first that didn't. So if we could come to agreeable terms would you be willing to take this vehicle home today? Pending a test drive, of course."Their obvious answer would be "Yes!" They think that would be the key to a joyride. But not so fast! My next statement is "Great! I just need to run a credit check to make sure we're all good before we go any further." I would then whip out the credit application, pull out a pen, and with a huge smile say "What's your Social Security number?"That typically ended the joyrider interview right there.

Make All Payments On TimeKeep Credit Utilization LowStrive For A Long Credit HistoryKeep A Diverse Mix Of CreditSpread Out Credit ApplicationsTake Advantage Of The 30-Day Preapproval WindowTake Advantage Of Alternative Credit DataCheck Your Credit Report For ErrorsA Final Thought On Improving CreditIf you damaged your credit in the past, the good news is that you can improve it over time. As you dispute errors, pay down debt, make on-time loan repayments, and avoid opening new credit accounts, you improve and repair your credit. It may take months or even years to bounce back, but if you plan on buying a new home, car, or other big-budget items, it’s worth the time and effort.CHEERS!