<prompt> Human: I went in for a used car. The dealers finance department came back with a FICO score that was HIGHER than the FICO score I knew I had from experian.com. I asked them as pointedly as I could and he said something about there being a variety of forms of FICO, and this was the auto FICO. This higher FICO resulted in the dealer financing offering me an absurdly low APR, lower than any APR that I had preapprovedprearranged from other sources outside such as two credit unions and one internet auto lender.My suspicion is that this could be a form of dealer scam that is the opposite scenario to the apparently universal one where the dealer says they got a FICO much lower than you thought it should be. In this case, I think the dealer could be setting up a Yo-Yo Financing or Spot Delivery scam. They lull you into a false sense of security by lying that you have a HIGHER score, then let you take the vehicle, then a week or so later they pull the hook up into your mouth and say, Oh, no, that low score we gave you did not go through. You have to come back in and take a higher APR.I dont see how this works if they are intending to perform predatory lending on customers that already have credit options outside the dealership. In this scenario they would be forcing me to re-evaluate all my credit options and then again do a lot of legwork to go with the NOW lowest available APR, whether or not that is the dealership. They would be risking not getting the financing at all through their own dealership. Unless theres some clause that is legitimate, like the financing has to be from an institution that the dealer approves of.I am not getting any internet hits for this scenario. I am thoroughly suspicious. It is so thoroughly unexpected. I thoroughly expect malfeasance, lies, deception, bad faith, and fraud.Anyone have any ideas or has anyone seenheard of this scenario resulting in auto dealer fraud or coercion?Thank you.  <response>: So if a dealership gives you an inflated rate, its a scam. If a dealer gives you a better rate than expected, its a scam. Is there a scenario for you where there isnt a scam?Be careful or else youll buy a car and thats the biggest scam of all! sLighten up and just buy the car at an awesome rate lol 