They are crooks by all means. Never disclose the lender agreement. They will hide lender contract agreement because their invoice bill of sale is different from what they report to creditors. Plus my sale rep was Robert then I got switched to Dave. Something about Dave charging every customer $500 extra on every vehicle to support his lost hair. these are some crook crackers. Make sure to never trust these used buy back cars with high miles and no warranty. You are just going to give them your hard earned money so they can screw your credit up.