I am very dissatisfied with the formulation of the credit rating and interest rate they arrived at due to my Husband's dad, had bad credit and they misrepresented him as having the same credit. They are two different individuals and I had to write dispute letters to the companies to remove this derogatory rating.
Also Triad was the company assigned to us from the car dealership to finance our car. I wanted to go the credit union and ask them to please finance his loan. So It was a big mess. After securing the loan my husband could not afford the payments, due to a layoff, and he had he car repossessed.
I paid off the remainder of the loan, after they sold the car to another unfortunate used person. I believe that their are business that are doing illegal business practices.