Couple Tries to Buy Kia. Then the Dealership Pulls the Husband’s Credit Report and Sees He Cosigned on Loan with His Wife’s Sister

A car salesman found himself in a difficult situation when he pulled a couple’s credit report and learned that the husband had an open auto loan with his wife’s sister. Then he had to tell the wife the reason they were declined.

TikTok creator Jaime (@not.your.fathers) is a Kia salesman at the Kia dealership in Berwyn, Illinois. He posted a video about the experience on Nov. 14.

"Hi, my name is Jaime, and after being told by both my client and her husband that they have no open auto loans, I get to tell my client that she got declined because her husband does have an open auto loan. And it’s registered in his name and my client’s sister’s name," he says.

In the caption, he adds a caveat, "For legal reasons: This is a joke."

Viewers didn’t seem to care whether or not the scenario was actually true. They were too busy reacting with shock at the premise.

"Oh, to be a fly on the wall for that call," wrote one person.

A second person posted a photo of the Pokemon Psyduck with his hand on his head staring blankly at a computer screen. "Everyone watching the security footage," they wrote.

"I really enjoy this format," wrote a third person. "Like this business of thinking you can hide what’s on the credit check."

Others weighed in with stories about real-life situations that echo Jaime’s joke. "My dad co-signed for a co-worker’s auto loan and didn’t tell my mom," one person wrote. "She learned when the guy defaulted and the banks started calling them."

One kind soul offered a more innocent explanation. "Hopefully, it was a surprise birthday present," they wrote.

What Happens When a Couple Applies For a Loan?

This was a joke situation that reflects a real-world dynamic. When a couple is married, they may choose to apply for car loans or mortgages together or use one spouse as a cosigner. When they show up at the dealership to apply for the loan, the dealership will run a credit check on both parties.

In reality, it’s very unlikely that this would go down the way Jaime dramatizes in the video. For one, car dealerships are bound by strict privacy rules that determine what information they can disclose to third parties about customers.

It’s more likely that the couple would later receive an adverse action letter from the lender in the weeks after the credit check. Household dynamics would come into play in that case, since there’s no law against a wife asking her husband why his credit is lower than he anticipated. But that’s a story for another day.

Motor1 contacted Jaime via TikTok comment and direct message for comment. We’ll update this if he responds.