Book me for a consultation copy link and paste on internet browser

https://calendly.com/jorgethecreditexpert/30min?month=2025-04
or text credit to 727-497-7148 I can set it up for you

In this video, I’m breaking down the real reason auto loans are defaulting in record numbers in 2025—something most influencers, including Lucky Lopez, completely ignore.

?? This is NOT just about bad consumers or greedy lenders.
The dealerships are a HUGE part of the problem—and no one’s talking about it.

???? Why Should You Listen to Me?
I’ve approved and denied thousands of auto loans over the past 10+ years. I worked directly with dealer-submitted loan packages, structured indirect loans, and stopped fraud at the dealership level.

I’m not guessing—I’ve lived it as a Senior Consumer Loan Underwriter at places like Zion’s Bank, Arivo Acceptance, USF Credit Union, where I oversaw auto loans, recreational vehicles, unsecured lines, and more.

???? What Lucky Lopez Gets WRONG
Lucky says it’s all the borrower’s fault—or sometimes the lender.
But guess who’s missing?
???? The dealership.

???? Dealers are:

Packing loans with hidden fees and useless add-ons

Overpricing used cars way above value

Fudging income and employment to push approvals through

Exploiting first-time buyers with markups and bait-and-switch tactics

And then influencers blame the buyer for defaulting?! That’s not the whole truth.

???? Inside This Video You’ll Learn: ? How car dealerships are fueling auto loan defaults
? The shady tactics dealerships use to get consumers approved
? Why influencers like Lucky Lopez are missing key pieces of the puzzle
? How underwriting actually works behind the scenes—and what red flags WE see
? What you can do to protect yourself in 2025 when buying a car

???? Final Message
If you’re following advice from influencers with no underwriting experience, you’re playing a dangerous game.

???? Don’t fall for half-truths.
???? Learn how credit and auto loans really work from someone who’s been on the front lines.

???? Drop a comment — Have you ever felt ripped off by a dealership or gotten stuck with a bad auto loan? Let’s talk about it.

???? Subscribe for REAL finance and credit advice from a certified underwriter—not just viral opinions.

#creditrepair #credit #automobile #auto #autoloans #luckylopez

‘Back to the Black – How to become debt-free and stay that way’, is for those worried about debt and wanting to know how to manage the situation. By viewing the problem as a coach or a counsellor would, you’ll learn strategies for handling stress and formulating a plan. You’ll find out how to fix a repayment schedule that’ll shorten the time until you are debt-free; and discover some simple ways to track your spending while still enjoying life. After reading this book you will feel more confident of your ability to handle your debt situation…and you’ll have a plan for doing so. You’ll soon discover how to evaluate your current circumstances; how to set realistic goals for reducing your debt; how to develop a list of options; and how to calculate your discretionary income. This book also provides a comprehensive ‘Resources’ section, that outlines what further support is available to help ensure that a debt-free life is maintained after reading ‘Back to the Black’.