A “bogue” is a customer who gives the impression that s/he wants to buy a car, but doesn’t have the means to do so.

(These types of buyers are also known as “strokers.”)

Bogues show up to a dealership with zero cash and a terrible credit score.

Car selling pros can sniff a bogue out when they jump on a “first pencil” – a buyer who does not negotiate.

The good news is anyone can get into a $0 cash down, new car deal – even if they have less-than good credit. All we need is a FICO score of more than 620.

If you have a FICO score of less than 620, I wrote this blog post about the surprising myths of credit for you.