I'm not trying to be mean, unless there's a significant amount of medical or student loan debt involved, a poor credit score at the age of 40 is the result of ongoing bad financial choices.

There's nothing even close to realistic about getting an SUV with 25,000 miles on it for $10,000, and besides, driving a gas guzzling SUV 600 miles a week is a terrible idea.

I'm sorry, but you're talking about a grown man, right? Why are you figuring out his problems for him?

Edited for typos