I have worked very hard to build my credit- it's been a long road but I recently had a score in the mid 700's. I saw HAD becuase of OPEN ROAD LENDING. BIGGEST WASTE OF TIME and they have significantly dropped my score. Without explaining what ratio would be approved by them regarding what my car was worth as opposed to what I owe (being upside down) they assured me they were sure because of my high credit score I'd be approved. I WAS NOT. When I called them to the carpet on this, they cited some bogus sentence on their flier that was not even applicable. DO NOT DO BUSINESS WITH THESE PEOPLE. They were extremely rude, unprofessional, and wasted my time. Now I'm back to building up my credit again thanks to this hard inquiry.