The vendor check will go directly to them. We take the following verification steps and if we have any reason whatsoever to believe that a transaction may not be appropriate we will reject it at any stage of the process, including the final checkout before funding. The way to approval is through a well prepared lease application. A neat application that provides all of the information we need to make a credit decision saves all of us time and money. A well thought out application also gives us the benefit of your knowledge.
Incomplete applications increase both of our costs and invariably cause delays.
We depend a great deal on the national credit reports. While it may vary somewhat with each case, this will give you an insight into our decision making process. It will also give you a firm idea of what most likely will be accepted for purchase. Credit depth is very important as well as the amount of outstanding debt. It is highly unlikely that we will approve an applicant with all credit cards approaching the credit limit.