Personal 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.

Yes, when your credit score is calculated, your business loan is closely scrutinized. While your business has a separate credit score, you are seen as the face of the company. So, any loans the business takes will affect your credit score as well, depending on the nature of the loan, the assets pledged (if any), guarantors and co-applicants, and the type of company (proprietorship, private limited company, etc.).The above is especially true when it comes to propiertorships, or business loans which were sanctioned based on the creditworthiness of an individual - like the founder, DIrector, Proprietor, etc.For instance, there are certain conditions under which Directors of Pvt. Ltd. companies are held responsible in case of business loan defaults - such as:If the Director is the guarantor of the loan. In such cases, the business loan ill certainly affect the credit score of the Director as wellIf the Director overdraws his salary from the companyIf the Director gives more priority to shareholders rather than lenders, even after knowing that the company is already under serious financial debt, etc.It is a good idea to reach out to the representative of your lender to get details and understand how your personal score will get affected.

In the 80s, I was looking for a new car. One place that I went to told me they would give me a 1,500 dollar trade in for my old car. When we sat down to do the paperwork, they said they were going to raise the new car’s price by 1,500 dollars. This guy had the audacity to tell me that it would look better for my credit application. I told him that, although I was born at night, it wasn’t last night. You’re already making a commission on a sale, you greedy bastard! Don’t piss down my back, and tell me that it’s raining. I went to another dealer, and got a much better deal. I went back to the first guy, and showed him how an honest car dealer operates. I don’t know if he had the mental capacity to learn some humility, but I got the personal satisfaction of waving it in his face.