Your score is based on your past and present credit history.mefistofeles said:WELL
THEY DONT GOING FOR A SCORE, THE YAMAHA CARD AND OTHER FINANCE GOING FOR HISTORY OF YOURE CREDIT, THE YAMAHA CARD IS HARD TO QUALIFY,IS RIDICULS,THE FINANCE GUY OF ONE OF THE DEALER TOLDME THEARE COSTUMERS WITH SCORE OF 700 WICHT NOT QUALIFY FOR YAMAHA BECAUSE THEY GOING AFTER YOURE HISTORY, SO WACTH YOUR LATE AND COLLECTIONS ACCOUNTS