At first glance, Coast Chevrolet in Pascagoula seemed welcoming and professional. Unfortunately, that initial impression did not last.
I was very clear with the saleswoman from the beginning: I had just purchased a vehicle, I was actively repairing my credit, and I did not want to co-sign because I knew the deal would not go through. Despite this, she insisted everything was "good" and encouraged me to proceed anyway.
Two days ago, I was told my credit was fine and to come in. Today, I watched in real time as my credit was hit with nine hard inquiries back-to-back, all from the same dealership--after they had already run my credit previously. Seeing it repeatedly pop up on Credit Karma was alarming and completely unnecessary.
Only after the damage was done did she call to say, "Oh, we need another co-signer." That was the very concern I raised from the start. When I questioned why my credit had been run so many times--after explicitly stating I did not want that--her attitude became dismissive and unprofessional.
For clarity: my son is capable of paying his own down payment without me. What's even more concerning is that while they claimed they would "work with him," they never provided clear information about an estimated down payment, financing terms, or next steps. On top of that, my son was given misleading information regarding how his job would factor into the deal, which felt like false advertising.
This experience reflected a lack of transparency, disregard for my time and financial well-being, and an overall unprofessional tone. Southern charm does not excuse careless credit practices, wasted time, or condescension--especially when people are explicitly trying to be responsible with their finances.
If you value your credit, your time, and honest communication, proceed with caution. read more
