I just purchased a used car from a dealer and because I did not know my credit score, I let the dealer handle the financing. I am 51 years old and have been through the financing process many times at dealerships. It always gives me a murky feeling that I am being taken advantage of, especailly when I get pressured to buy an extended warranty. As soon as the salesperson turned me over to the F&I person, I felt like a kid in the principal's office. Even though I know I should have the upper hand, it did not feel that way. The incredible number of papers I signed, some of them blank (like the odometer statement) seemed strange. I remembered that I have always thought the process was somehow shady. I used to buy dealer paper as a bank lender back in the 1980's and was very often pressured to approve deals that were questionable because the F&I person would tell me "you have to buy some junk if you want me to send you some of the cream." That told me all I needed to know about the true character of car dealers.