I've been in car sales for a long time and have seen almost everything. One story that sticks out in my mind is about a cosigner. This happened a few years after the 2008 crash so it probably was around 2010 or something like that.
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We had a customer come in, a younger guy who was super friendly. I think he worked as a bartender or something in the restaurant business. He picked out a car (I think it was a Honda Civic) but his credit was jacked up – really bad, and we couldn't get him qualified for financing.