Pulled from the shit I see on a daily basis with peoples credit, here’s another example from the folder of bad car financial decisions. Take this customer for example: 64 year old man. Credit score is 682. Pays $450 on a Fiesta sedan. For 74 months. And its Cosigned. To make it even shitter, the loan amount was originally for $17,300. Its currently sitting at $17,900. And that’s with 13 payments since it was opened last June. Think about all that.