Scorecard — Heritage Auto Gallery, Phoenix, AZ. Segment: in-house financing (buy-here-pay-here). Inventory ~50 units; 10 years operating. Composite grade: A.
Lot address: 251 Credit Row, Phoenix, AZ. Visitor parking: Front-lot customer stalls facing the office; overflow on the side street near Phoenix lot gate.
- Fee disclosure: doc fee $599, itemized pre-signature.
- PPI access: unrestricted — full credit.
- Title readiness: ~84% in hand at audit.
- After-sale: a 6-month powertrain warranty on newer units.
Auditor note: disclosures survived every check the rubric allows a walk-in buyer to run. Scored among the stronger independents in its metro.