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Everyone needs to watch these guys when it comes to finance! I bought 2 trucks from them back in December 07. I traded in both of my previous trucks towards the finance of my new ones. My finance paper work was submitted to multiple banks and I got the same truck funded twice. No it is up to me the customer to save my own credit as one of the trucks I bought is still floating in limbo land.. Beware of the people as they could care less about you or your credit. They just see you as a number and only want to move cars off of the lot. I give them a -5 but the scale does not go down that far..