With the huge income and FICO score drops this year for a good percentage of Americans, the buy here, pay here car dealerships with 36% to 48% APR interest and remote kill switches are doing a banner year in sales. Usually reselling the same car 2 or 3x a year...
On the flip side, my credit has never been better and I am INUNDATED with offers from credit card companies, refinance companies, every car dealer in my area, etc. They ALL go into the trash!