Case file — Bayou City Car Credit (Houston, TX). Profile: independent seller of in-house financing (buy-here-pay-here); ~15 years trading; ~77 vehicles listed.
Lot address: 8569 Credit Row, Houston, TX. Visitor parking: Front-lot customer stalls facing the office; overflow on the side street near Houston lot gate.
Signals checked: state license (current); doc fee $399 (disclosed); outside inspection permitted, including off-site; title-in-hand ratio ~85%; after-sale terms no warranty — as-is, but any inspection welcome.
Finding: no divergence between claims and observable signals. Indexed as trustworthy on current evidence; most independents that clear all four signals stay clear.