Knghifi, I thought I saw car mentioned somewhere. It doesn't take a study to know that a lot of the rich are that way due to sacrifce. The poor made as much money but lived beyond their means. Poor credit should mean more for the borrower to pay back, but in my case the guy with bad credit was getting a lower final purchase price than me. I used to buy new Mustangs every 2 years. The dealerships do whatever they can to get a sale, but should not give someone else not as worthy a better deal just because they think I'm a lay down. They found out when I went elseware. I got lots of better offers then, but it was too late. The 3rd week of January is a very good time to look for a new car because it is the slowest (or one of) month for car sales.