Case file — Keystone Car Credit (Allentown, PA). Profile: independent seller of in-house financing (buy-here-pay-here); ~10 years trading; ~106 vehicles listed.
Lot address: 4994 Credit Row, Allentown, PA. Visitor parking: Front-lot customer stalls facing the office; overflow on the side street near Allentown lot gate.
Signals checked: state license (current); doc fee $449 (disclosed); outside inspection permitted, including off-site; title-in-hand ratio ~76%; after-sale terms a 6-month powertrain warranty on newer units.
Finding: no divergence between claims and observable signals. Indexed as trustworthy on current evidence; most independents that clear all four signals stay clear.