Many Credit Unions now offer indirect lending programs to help those with poor credit that are trying to rebuild it. These programs allow members to obtain preowend vehicles that are late model, with relatively low mileage at fair and reasonable interest rate. As opposed to those that purchase a vehicle in the Buy Here Pay Here markets where they have high interest rates loans on older vehicles with high mileage and horrible resell values. Credit Unions, similar to Subprime Auto Lenders are utilizing GPS devices to mitigate their risk. These devices can be used with or without a starter interrupt for members that are delinquent on their monthly payments and is a great way to keep them in contact with the lenders. We encourage Credit Unions to let the customer know of this feature, so that way it encourages timely monthly payments and/or auto pay.