Why? Not everybody has high beacon scores or huge down payments to get conventional financing. Some car lots are shit, some car lots sell quality cars. Being a bh/ph lot doesn't automatically make a lot a shit lot. That being said, what the fuck does the car coming from a buy here pay here have to do with it? He's obviously had the car a while, this isn't something that blew up on the way home from the dealership, this is someone that beat the shit out of their car and tore it up.


As for the original poster. While I think your question is assinine, it is a valid question. Most people think bh/ph dealers don't report. Most people think bh/ph dealers just suck up their losses, fix it, and put it back on the lot. Unfortunately for you, bh/ph dealers are tired of being fucked by irresponsible shitty customers such as yourself tearing up cars and then sticking them with it. While every lot is different, there are A LOT of dealers that will sue you in small claims court and put a judgement on your credit. If you ever want to get regular financing on a car or a mortgage you'll be going back to the dealer to pay them off and get the judgement off your credit. Why not just suck it up, be a man, and live up to your financial obligations?