: McCluskey reports on-time payments to national credit bureaus, which can help improve a buyer's credit score over time.

: They monitor credit scores every 90 days. Once a score reaches 600, customers may be offered the chance to trade in for a newer model at a lower interest rate.

: Credit decisions are made solely by McCluskey's finance department, bypassing third-party banks that often reject subprime borrowers.

McCluskey also offers a modified program called for drivers in certain regions like Columbus, OH.

: BHPH inventory is sometimes limited to specific pre-owned models that fit the financing amount. Customer Sentiment and Reported Issues