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I hear you Daniel, and I'm glad you have a tool that works well for you.  I took a screenshot from a dealership on SCD for you to see.  It's pretty similar to MMD and our results from SCD were awful.  As for prospects admittance of credit, I'm not going to say if it's an honesty thing or if it's not realizing they can changed the option; but we have had customers coming in with poor credit upset that they didn't qualify for the financing that "the website said." 


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Maybe the difference between our results is a market issue or is the service itself.  Just thought I'd relay my concerns and experiences with a similar product.


Happy selling!