I used to sell cars and if this would have happened at my lot, we would have refused her service as well. It's absurd but financing companies have certain guidelines they have to abide by. The main problem I faced with customers on the car lot was when they had a reposession on their cb. They almost always denied it or acted like that was crazy. I always told those people that if it's incorrect they have to get ahold of that credit bureau and have it fixed. So, since I've worked with credit before I'm now consciously aware of my own. So, I agree make sure to check your credit score at least once a year.

I am Jack's Utter Lack of Suprise

Just hang your bread out the side of your car door and press it against the garlic street. The friction will toast it, and since it's all garlicky: need I say more?