You’ve probably heard that car dealerships make huge markups on cars. Usually, they mark-up the financing anywhere from 3 percent to 12 percent. They claim it really took a lot of work to get you that rate when really it was a cinch. This secret is not as well kept as it used to be, so people are going to credit unions more often. Most people just know better nowadays. But for those who don’t, one dealership outside of L.A. posts a daily list of credit scores and the rate those scores will get you. They’re trying to be more upfront with customers who may question the honesty of the rates, and it’s working out for everyone. The dealership is able to get people in and out in less time, thereby earning them more customers. And customers get an honest deal. But most dealerships aren’t that above board. So, you have to do the work yourself. First go to eloan.com and get your score. You can get it for free once. Then go to myfico.com and find out what rate you should be offered. Then, you’re armed with knowledge and can get the rate you deserve.