Experian does collect and sell income data about people, in fact i think they pay companies directly for this information. This is helpful for salary negotiations. It’s not in a normal credit report though, true.
Once in a while they want to see a bank statement or two showing actually paycheck deposits, but I only ever saw that on a mortgage. Once for the car loan they asked to see a balance or two via bank statement. So I showed them a bank account sitting around the $$ for the vehicle loan.
I tend to just avoid loans if at all possible now though.
where is this?
you don't have or keep the title until the bank sees you paid off the loan, in every instance i've seen.
That might work: you'd have bought the car, from the point of view of VW and your DMV, so the DMV sends you the title, not Visa.
Is this different from what you mean?