Accelerated Credit Application: Fill & Download for Free

Is it really possible to name each innovating fintech startup in London? The city is an immense pool of new businesses revolutionising finance.I have no idea why you asked the question but if you’re looking for a job in the industry, you’re betting on the right horse! In the case you want to be in touch with these businesses, I’d advise you to do it soon, as they are in a growth stage and very open to opportunities.To answer your question, I gathered the top 7 of the ones which seemed the most promising.To gather all your accounts in oneCurve, a Shoreditch-based business allows you to “consolidate all your bank cards into a single Curve card and manage your money”. The startup acts in simplifying our lives and they recently received a $10 million funding.2. To manage your savingsLong story short, Finimize, that has today reached more than 100,000 users, was originally a newsletter helping millennials to understand their investments. Pushed by success, it turned into an app enabling to manage savings and investments.3. To reduce deposit costsReposit innovates on tenancy deposits and provides a financial platform to decrease in the one hand deposit amounts and on the other hand enable agents to get commission from it. Creating a win-win situation, Reposit did not stop making noise in London particularly!4. To cross barriers without worrying about currenciesStill making life easier for millions of people, Revolut facilitates foreign currency exchange. With more than a million customers, the business helped people saving more than $160 million fees.5. For businesses to apply to creditsThis time, Iwoca innovates on BtoB, changing how businesses ask for credit. To do that, the Bloomsbury-based business acts to accelerate credit application, so that companies can get funding within hours.6. To explore the whole possibilities of mobile bankingAnd if banking would be easy-to-use and interactive? That’s the question Monzo decided to explore, developing a platform that completely fits the actual use of smartphones. Notifications, emojis… everything is developed so that young generations take a closer look at banking.7. To facilitate requesting and sending money to your friendsChanging the way you and your friends organise payments, Payfriendz enables safe and secure reimbursements. The Huffington Post completely adopted it, saying that it “allows friends to send money with the same level of simplicity as you would tweet or snap”.I’m sure there are still plenty of notable fintech businesses in London, with yet to come! I hope this helps though!

American Express' FICO Score Requirements, Starwood Preferred Guest's Amex and Inside Industry Scoop on Credit Scores.My friend, Mike Arrington, had a credit card issue. He helps a lot of people. He helps me a lot. He invites me and my friends to tech conferences so when he tweeted-blogged-Quora'd:"My credit score is 748 and amex has repeatedly declined me for a card.""Damnit Amex, Give Me A Credit Card" -- Mike Arrington, TechCrunchI was inclined to spend 70 minutes answering this question (see below). You see, I am a thankful person. Mr Mike has let me walk in dozens upon dozens of tech founders. If you help me, help the startup community, I am all in for helping you with your effort to get an SPG Amex, mentor you on FICO credit score + debunk the urban myths about credit scores, credit rules and credit underwriting policy.Mr Arrington now has an Amex earning him massive SPG points!*. Yup, he probably put down as his job title when he first got rejected...photo credit Mark Chua.hiLarryAss, hilarious because this title, "blogger" doesn't make the risk dept at Amex jump for joy.*:-) After texting Amex executives, Mike Arrington got one at 11:45 am Oct 26, 2010.Tweets Oct-24-2010 to Oct-26-2010Who am I to give advice to a Stanford University, Law graduate, (Mike)!?!I read the FCRA (Fair Credit Reporting Act), my company lobbies Congress, my company promotes FICO preparation, my company is #1 in doing lead generation for credit card account, my company never sells private information. I also helped another friend IRL, "Valerie" and her two college age daughters. Valerie's an anchor on a network called "CNN"My 'advice' is FCRA based. There are very few people with the patience to toil on the front lines of financial literacy. It does not help that FCRA does not make common sense.This Quora answer to "What FICO score is needed?" took me 70 minutes. It explains an American system that is set up to befuddle consumers. To make matters worse, American credit has a business model that, in short, sells derogatory credit information.SO NOW READ WHAT I WROTE!!!Mike Arrington's Wordpress article addressed a specific cry for help along with a tweet request for assistance (Yes, during the golden age of twitter, people would read and respond ;-)"Damnit Amex, Give Me A Credit Card" -- Mike Arrington, TechCrunchThe one key to these castles are yours. They access free SXSW hotel rooms, free airfare to Austin. And for me and my tech founders: Free access to $15,000,000 credit lines. I hate, love/ hate all the urban myths about credit (sorry if I scream but its frustrating when I know Fair Credit Reporting Act laws but people, fight, me, all, the, time.I am not sorry the laws are old. I am sorry we have not passed LCECSPA. Here are the Urban myths because you do not know FCRA:URBAN MYTH #1: Asking what credit score you need implies everyone at score level 748.6 gets in. It simply does not work like that. American Express (company) uses FICO Credit Score as one metric among many for the credit accept/reject decision.I bet they turn down applicants as high as FICO 770.URBAN MYTH #2: Asking what score gets approved implies that you as a person have one score. This is not true.Fair Isaac has been on record saying 15 banks that use their scoring system can give you 15 different scores.Yes, urban myths one and two are the same, but I wanted to re-iterate that since it's such a big myth - I won't repeat myself anymore :-)URBAN MYTH #3: Entrepreneurs get turned down.This is true. If you're the business owner, you're gonna have bad credit sometimes and a founder's FICO cut-off will treat you, the tech CEO, harshly. Plus, lol, analyst say, "Cool, lets give him $75,000 in credit line, un collateralized"I repeat: all people with a FICO of 745 are not treated equally ... FICO is just one metric.For example, Michael Arrington (investor, journalist) the blogger might get turned down because his credit application form signals 'entrepreneur'. Entrepreneurs are treated a certain way by a bank.Myth 3 is compounded in FORBES. Read about founder, Mike Arrington's credit rejection in ForbesAmerican Express Loses Credit With Top Bloggerand the Amex rebuttalAmex's Ad Agency Asks Us To Remove Post, Threatens Future Business | TechCrunchbased on the original blogger complaintDamnit Amex, Give Me A Credit CardMyth 3 might never go away because myth three goes against common sense. On my credit application, I am still "National Account Manager at United College Marketing Services". Also, the channel that the credit application came from matters. When I say channel, I mean location American Express received the credit application.This leads to my next point...URBAN MYTH #4: A lot of people think a credit app is a credit app.It is not true.Where and how you apply matters!I'd fill it out with a black roller ball, 1mm pen and use a fine tip sharpie on a PAPER APPLICATION.I'd photocopy my drivers license and staple it to the paper credit app (*Fair Credit Reporting Act (FCRA))I'd have the Starwood Preferred Guest (loyalty program) line's front desk manager do it for me and I'd include my starwood preferred number bold in sharpieImagine you are the CEO of Amex. I hand you a piece of paper. Or I hand you an electronic credit applicationURBAN MYTH #5: Internet is best for service.Wrong!Dead wrong.You have ZERO rights via email / phone / electronic fax / web browser / text message / smoke signals via twitter / blog via techcrunchThe Fair Credit Reporting Act (FCRA) only reserves your rights via paper snail mail licked with a piece of US Postage stamp.Mike Arrington's blog post is the exception that augments, propagates, promotes and accelerates this urban myth. Do not use the web. Do not use email. And for goodness sakes, do not call. Do not use the Internet.Use a postage stamp!!!!!!!!!The 31 Envelope SystemThe 'forever' stamp is truly the only method seen as legal according to FCRA. Guess how many consumers such as Mike Arrington interact using United States postage stamps?THE SYSTEM IS SET UP FOR YOU TO FAIL. The system is set up knowing super majority of consumers will not mail a letter to a PO box. True story, I see non Stanford Law School (educated) consumers failing at credit, daily.** FUN WITH FICO **I am going to make the bold statement: give me 10 stamps and I will raise the average VC's FICO score 80 points. Give me 31 stamps and I will raise more money that a Y-combinator startup company.:-DGoogle "9 VCs and their Secret FICO score"Or '9 Supermodels and their Secret FICO Score'http://whattheydontteachyouatstanfordbusinessschool.com/blog/2010/09/08/9-supermodels-and-their-secret-fico-score/I speak at NFL Rookie Camp on credit and credit scores as a millionaire. I should know because I am one.I mentor lawyers and Congressmen who write credit laws. My mentor was a Yale lawyer named Mark McCormack #MMPQQThe 31 Envelope System** FUN WITH FICO END**URBAN MYTH #6: Your credit score is dynamic.It is not as dynamic as you would think.Credit scores are incredibly static.As a rule of thumb: once you have good credit you keep good credit.Once you have bad credit you might as well click on the butt (at duck9 cuz you're gonna take it in the buttocks):see stanford grad startup SwishMark - #3 largest payday lender in Americasee http://duck9.com/ass.htmURBAN MYTH #7: A college student is more likely to get a Starwood Hotels & Resorts (company) credit card than Mike Arrington.:-) update Mike got one at 11:45 am (Oct 26, 2010). I tweeted Oct 25 2010 back when people read their at replies Re: 11:11 Nov 11Tweets Oct-24-2010 to Oct-26-2010College students get mentored to build their FICO. The really smart founder, Mike Arrington, who has a Stanford Law degree was using common sense.Urban myth #7 is actually true if that college student was using Larry Chiang as their mentor MMPQQ (mentor mention per quora question). Nick Lee got a credit card. See his answer BELOW.URBAN MYTH #8: Congress doesn't read the FCRA, FCBA, or the CARD ActThis is NOT an urban myth. Just like bloggers, the only people that read it are the people that wrote it. Cato Institute quizzes Congresspeople about the Constitution and gives out copies of it.When I testified before U.S. Congress on privacy (thx Billy Tauzin / Tom Campbell / Tom Udall) I cited and sourced FCRA a half dozen times ... they thought I was a genius. Robert Pitofsky said some overly positive things about me and my effort to debunk credit myths to college students. He was Federal Trade Commission Chairman.thx for reading this far!!BONUS URBAN MYTH #9: college students are protected by the CARD Act (HR 627, House (of Representatives) Resolution #627)This is true.I passed this law because college students were dropping out more due to credit card debt than academic disqualification.MYTH 9(a): The problem is that there is a catch 22 of what comes first ... getting a credit card or adding positive pieces of information to the Credit History Bureaus.Hmmm, maybe that is a company idea.UPDATE: OCT 2, 2013.Based on my support and my augmenting HR 627, zero traditional freshman, zero sophomores and zero juniors will drop out of college due to college credit card debt.Zero.Previously, it had spiked as high as 7.6%. Thanks to my mentorship, my weirdness' and my acting Paris Hilton-ie, the United States of America will have zero college drop outs due to owing credit card debt.Currently, if you drop out of college due to a $300 credit card bill (the max credit line is under $500!), you didn't drop out because you owe, you dropped out because of other reasons. Before HR 627, credit lines could be as high as $78,000. See the historic practice of Capital One laying away college studentsThe Secret Tenth Urban Myth left off My Quora Answer.I used to work for Amex. I would be pretty surprised if you weren't able to get an SPG. Can't provide too much more detail without giving away the precise risk formulae that they use (note that it's more than just a FICO Credit Score), but, based on your stats, there are a lot of accounts in the SPG portfolio with worse credit / less credit history.edit: I can't comment on answers anonymously but Larry Chiang's answer totally nails itMyth #11.another credit myth is one that Fair Isaac promotes. They say the average FICO average is 723. They have removed it, the false FICO average claim, from "MyFico" website. I think it was Craig Watts that said it.Good luck in the system that has been engineered against you.Good luck in a system where an oligopoly holds super majority of the credit report data.Good luck in a system where credit scoring is run by a monopoly.

The Ultimate Guide To Increasing SalesThe Blueprint for increasing sales, from first hand experience in a high ticket item market.What is the best way to sell fifteen cars a month?How to sell 15 cars a month? Back in 2006, I used to sell 23 a month. I can help. Maybe. Who knows.What I would suggest?Know your client. Their lifestyle. What they do for fun. Where they went on vacation. Then utilize heavy follow up.Keep track of your 4-3-2-1 process. Understand everything about your product. Follow the ten steps to a sale. Use a SPACED outline when selling your vehicle.This works basically in any industry. All you have to do is modify some of the steps. E.G. a realtor would show an open house as opposed to doing a test drive.1. Meet and Greet.Your client will know whether they like you or not within the first forty five seconds. Do this extremely well. Don’t lack in any way whatsoever.Example: Hello, welcome to XYZ dealership, my name is Leonard, and you are? Shake hand firmly. How may I help you today?2. Sell yourself.Build rapport with your client. Find common ground. This is extremely important.3. Sell the dealership.Talk about the great things your dealership does for your community. How long your dealership has been in business. Some perks. Talk about how great your service department is and how they take care of their customers. This is kind of important.4. Qualify.Get a general ideal of what they want. Two doors or four doors. Car, truck or SUV. Small, mid sized, or full vehicle. Light, medium or dark color.To properly qualify a customer, show them a model less than what they are looking for first, to make sure the vehicle they want isn’t out their price range. Example, if someone wants a mid sized vehicle, show them a Corolla before you show them a Camry. If the customer overpredicted what they want, then they will say that’s what they want. If they are certain what they want, then you helped reaffirm them by taking them to the Camry afterwards.Walk them up to the window sticker, and ask them, does this vehicle seems to have the features you are looking for? The customer is only looking at the price to see if it is within their budget. If they say no, move them to another vehicle. If they say yes, then move to step five.Exception: If you have any warning signs, like the customer talks about a bankruptcy or some kind of other financial hardship during the qualification stage, then move directly to step 8 first before going back to step 5, so you can figure out what used car on your lot will work with their budget. No one wants to buy a $7,000 used car when they test drove a brand new $20,000 car first.5. Demo the vehicle. Do a walk around.A quality walk with a test drive should take around thirty to forty five minutes.Ask, other than price, what are you looking for most in a vehicle?They will answer with one of the following.SafetyPerformanceAppearanceComfortEconomyDependabilityFirst, get the key. If keys are stored inside a box at the car, it makes the work a lot easier. If not, then tell the customer you will be right back while you go to the main office to access the key for the vehicle. Then come back, open the driver door to the car, then open the trunk, hood, and all the doors to the vehicle. Move the customer from the window sticker to under the hood. Explain the vehicle following what they explained they are looking for in spaced. Remember, what you explain your car has that the other sales person doesn’t makes your car better, even if the other car has all the same features. Point out even the smallest of things.Explain feature, function, benefit.Example:The most important feature to me is safety.Okay perfect, let me go over the safety features of the vehicle with you. Do you know what this is?No.These are your anti lock brakes. They pulsate twenty two beats per second. When you are about to get into an accident, or when a vehicle in front of you suddenly slams their brakes, the vehicle maintains control and doesn’t skid forward, allowing you to maneuver your way to avoid an accident. That’s a feature that can save you in a scary situation, right? Nod head up and down.Yes.Now see this here. This little square on the bumper comes out. If, God forbid, you were ever to fall into a ditch, this little square pops off. You are able to have a tow truck tie a rope to pull your vehicle out of a ditch. That would be very important, wouldn’t it? Nod head up and down.Look over here. Do you see these little indentations on the hood? These are crumble zones. What they do, is absorb the crash energy and (deflect, depending on brand) absorb the impact of the crash. This means that if an accident were to ever happen, instead of the crash energy being sent straight through your body, crushing your internal organs, it would be absorbed and deflected by the vehicle. That could possibly save your life, couldn’t it? Nod head up and down.Touch on other parts of SPACED as well in the presentation, but make sure to put a lot of focus and emphasis on the key issue the customer is shopping for.Move to the driver side of the vehicle. Point out the B pillars. Explain how they absorb impacts. Point out benefit. Talk about paint. Door Guards. Other things.Move to trunk. Show roominess. Pull down seats. Show how much storage room there is. Talk about benefits. Get inside the trunk. Show them how much room there really is. Close the trunk lid on yourself. Open it back up with the emergency latch. Show the customer that even if their child is stuck inside, that they could get out of the situation. Tell them to get in the trunk and try it for themselves. If they do, then you’ve sold the vehicle right then and there, almost guaranteed.Move over to the right side of the vehicle. Let the customer sit in the back seat and see how roomy it is. Point out features. Move customer to passenger seat. Close the door. Get in the driver’s seat. Explain more features. Turn on the vehicle. Ask, do you see how quiet the vehicle is?Explain navigation, if there is one. Go over all the interior features and where all the buttons are. Turn on radio. Explain presets. Move car into reverse or drive, pull out from the parking spot, then drive to the front of the main office building.6. The Test Drive.Ask the customer for his ID. Go inside and scan or copy the ID and do what you have to do. Drive the car off the lot. Accelerate heavily. Ask, did you see how well this vehicle accelerated? Brake hard (in a safe location). Ask, do you see how well this vehicle stops? Pull over. Switch seats.Guide the customer around a square. Only take right turns. On the test drive, you stay quiet. You only give directions and ask three questions. I recommend stating one question on each of the turns.Question number 1.Does the vehicle have enough power for you?Yes.Question number 2.Does the vehicle fit your comfort needs?Yes.Question number 3.Overall, does this vehicle have everything you’re looking for in your next vehicle?Yes.7. Trial Close.Once you pull back in the dealership, guide your customer to a parking spot. When you get out and they hand you the key, you ask one question.Mr./Ms. ____, other than price, is there anything else that is stopping you from buying the vehicle today?If the customer says yes, ask what it is.Handle that objection. If the customer insists, then let them go and follow up with them. Remember to give them back their ID. If you don’t, they will think you’re deceptive and evil.If the customer says no, you move to the next step.8. Write up.Take the customer inside. Seat them at a table. Ask them if they want a water, soda or coffee. If they do, PAY FOR IT AND BUY IT FOR THEM WITH YOUR OWN MONEY. Then print a four square and a credit application and bring everything back to the table with you. Fill out a credit application with the customer, first by copying the main information off the license. Then ask if this is their current residence. Fill out work history, etc. Once that is complete, start working the four square.There are four boxes here.Trade.Price.Down Payment.Payment.Personally, I leave the price box blank all the time. Then move to the trade.If they do not have a trade, the deal is easy. Trades are usually what kills a deal, especially when a customer is upside down.If they do have a trade, appraise the vehicle with the customer. To appraise the vehicle, take down pertinent information like miles, how much the customer owes on their loan, etc. When outside with the customer, make it look like you’re really examining their car. If you have no clue what you’re doing, at least make it look like you do. Start the car. Put it in all the gears. Test the radio. Look at the seats in detail. Then go outside. Open up the hood. Just look at things and make like a hmm.. sound. Go over the exterior. Touch every single blemish. Examine it. Then make another hmm sound. Don’t say anything, just touch and make a noise.Go back inside. Try to have a basic understanding of book values of vehicles. Let’s say wholesale book on the customer’s car is $10,000. Tell the customer, the last vehicle of this type you took in wasn’t in as good shape as your vehicle and wasn’t as well maintained. We gave them $5,000 for his vehicle. What that what you are looking for? If they say “No, I was looking for $12,000!”, then you pause… Shake your head a little… Look down and say… I can’t guarantee anything as we haven’t thoroughly appraised your vehicle yet, but if I could get you (Move in $500-$1,000 intervals, depending on how much you low balled the customer) $5,500 on your vehicle, would that work? He will probably lower his offer, yet still probably be around the $11,000 range. Repeat the same thing. Ask him if you can get him $6,000 for his vehicle, if that would work. They’ll stated something else. Then ask, how close to $6,000 can you come? They’ll give you a number. Tell them you’ll try to get this number for them and you’ll fight for them.Write down all these numbers. Write your numbers big. Write the customer’s numbers small. Cross out the numbers that didn’t work. Circle the one that the customer wants.Next, move to the down payment of the vehicle. Let’s pretend the car is $20,000 to make it easy. Tell the customer, based on bank guidelines, the average down payment is 30%. That would be $6,000. They’ll respond and react, saying maybe they only have $1,000 down. Cross out the $6,000. Ask them if they could come up with $5,500. In most cases, the customer will move up his down payment to $1,250-$1,500. Ask them if they could come up with $5,000. By this time, the customer will be up to maybe $2,000. Then ask them, how close to $5,000 can you come? $2,250 or $2,500? They may say $2,250. Then ask them, if I were to give you x days (I think it’s 14, could be longer or shorter), then how much closer to the $5,000 can you come? Circle that number.Then move to payments. Take the amount of the vehicle and times it by three. Then make all the numbers odd, so the math is harder. Say, based on industry standards, the average payment for this vehicle will be $593. If someone calls you out and say this is ridiculous, how did you come up with that figure, tell them it’s based on 3 years financing at a 7% interest rate. It will be extremely rare for someone to call you out on this, and they will just work the payment instead. Most people will toss out a number like $200. For some reason, that’s the magic number everyone has when they want a vehicle. Ask them if they will be able to afford the vehicle for $553 a month. They’ll probably bump themselves up to $225-$250. Then ask if they could do $537 a month. They’ll probably bump themselves up to $300. Ask them how close to $537 they can come. Whatever they respond with, give them a range. So if they say I can do $325, say so basically you can do $325-$350, right? They’ll say yes.Right now, you’re looking at a loser deal if you write it up exactly as stated. However, this is a negotiation. You’re putting realistic images into the mind of the customer. The customer is trying to state their position with their irrational expectations. Your job is to spend quality time doing this negotiation so the customer can understand that he’s going to be paying more than he wants to pay. Also, inflating the numbers fixes any situation where a trade with negative equity can out price the customer, because they will have much more realistic expectations when you come back with a price.The $2,250 for a down payment will cover a little more than the taxes. The $350 a month will cover the majority of the cost of the vehicle, aside from about $2,500 of the MSRP, at five years at a 7% interest rate.Tell the customer you’re going to be working for them and you’ll fight for them to try to do your best to get the deal they want. Present this offer to your desk manager. Fight for the customer. Then when your manager presents you with an offer, take it back to the customer.Tell the customer you went to bat for them. Present them with your offer. If your product demo was amazing, they will agree to buy on the counter offer. If not, then you will have to go through this stage about one to two more times. Eventually, you’ll come to an agreement and the customer will agree to buy the vehicle. Then comes the next step.9. Finance.Wait with the customer and have small talk until the finance office is ready for them. While they’re in the finance office, take the vehicle to have it cleaned and prepared. Once the customer is out of finance, sit with them and go over all the booklets with the customer and explain them. Explain what the lemon law booklet is for, the tire warranty, the owner’s manual, the warranty, functionality of the keys, everything. Make sure you include your business card with your direct cell phone number into their owner’s manual. Then go with the customer to the vehicle, and if it has a navigation, explain everything you know about how it works, sync the customer’s phone, etc. Then wave off the customer as they leave, only after thanking them for their business. Then comes the final step.10. Ask for referrals.Call the customer in a few days and ask how they are enjoying their vehicle. Also, ask them if they have any referrals they would like to send off your way.That would be how to better the efficiency of your sales.Now, there’s a science to track all of this.It is called a 4-3-2-1 sheet.It is an excel spread sheet with a lot of boxes, printed on a piece of paper. There is a row dedicated to each day. Most people use it as a tally sheet.The first box is how many customers you talk to that day.The box after that is how many customers you test drove.The following box is how many people you wrote up.The last box is how many car sales you have.With these numbers, you can calculate your percentage of customers to test drives to write ups to sales, to see exactly where you need improvement. I think I only talked to 60 customers on the month I sold 23 vehicles, so I had a very high closing ratio. However, I really knew how to study the science behind this sheet.The target goal is to have 85-95% of the people you speak with test drive a vehicle.65-75% of the people you test drive should be written up.40-50% of the customers you write up should leave with a vehicle.Back in 2006, the average car salesman would encounter 3 customers a day. Car salesmen usually work six day weeks, so that would be about 25 days a month. That would total up to about 75 customers.The average car sales person, at that time, was selling about 8 cars a month.Based on the 4-3-2-1 sheet, if 8 cars a month were sold, that means 16 were being written up. The other 59 weren’t.If the test drive ratio should be 85-95% and the write up ratio should be 65-75%, then we can see that the fault doesn’t lie in getting the customer to the write up table, but instead, it lies in getting the customer into either a test drive or a write up. The reason for this is that most car salesmen ask their customers if they want to test drive the car. If you read through my process, you can see that I never really asked the customer anything, except for what I knew they wanted. I just assumed the sale all the way through, from the very beginning.If only 16 people are being written up, more than likely only 32 people went on test drives. That means that 43 people, or 57% of your leads were wasted, without being able to fully experience the vehicle.In order to improve this ratio, you need to demo your product. You need to get your customers excited. You need to test drive your customers. You also need to follow up, because a lot of the people who were just looking that day will be ready to buy in a week to a month.Let’s say I sold 23 cars. Let’s say six of those sales were made by following up with customers who had once walked on the lot. So, that month, I sold 17 cars from new business. That means I wrote up 34 customers. I wrote up about 75% of the people who went on test drives. That would be a total of 45 people who went on test drives. I test drove about 75% of the people I spoke with.Personally, according to this sheet, I spoke to less people than my fellow sales person. However, my conversion ratio was much higher. Without the follow up, I sold more than twice as many cars than they did.The real life scenario was interesting as well. The number one person in the store sold 25 vehicles. I was number two at 23. Number three had 18. Number four had 15. Then the rest were at 12 or less, in a store of fifty car sales associates, internet inclusive.Why?Because I didn’t prejudge anyone and I followed a strict outline to my process. I went over my numbers every single day to identify where I was lacking, to understand what I needed to do to improve.Do you see how raising the test drive amount can raise the amount of vehicles sold in a month?Oh wait, I think I showed you how to sell more vehicles than your target goal of 15. I take back some of my advice. Don’t try too hard!Read more on my blog: The Ultimate Guide To Increasing Sales