You can avoid a common scam that dealerships pull. You will often hear that your financing fell through and that you have to respond by paying more money on your loan.

Don’t believe it. It’s another reason for you to get a copy of your credit score.

Another common scam by dealership salesmen is for them to tell you that they have found you a lower rate, but that they want you to re-sign your loan papers.

Usually, that is a downright lie. Once they pull up your financing information, they have the upper hand if you don’t know the details about your credit information.

You can get a copy of your credit information online at http://www.equifax.com for about $10-$15. It’s better to pay $15 now than thousands later.