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Meet Our Founder
Gary Dirstine
Founder & Director of ACTS, Gary Dirstine brings 49+ years of automotive expertise. Renowned for success in sales & finance, he's partnered with top dealerships nationwide, elevating industry standards in consumer credit and dealer training.
AutoCredit101: Credit & Lending Mastery
AutoCredit101: Advanced Credit & Lending
Overview
GARY DIRSTINE |AUTO CREDIT TRAINING SOLUTIONS (ACTS), LLC
PROFILE
Take decisive control of your dealership’s subprime credit business future and surge ahead of the competition by partnering with Gary Dirstine and Autocredit101 (Next Level) training—the authority trusted by some of the most successful dealerships nationwide. Your sales and finance teams will be empowered with rare, battle-tested strategies that don’t just navigate the subprime credit landscape; they unleash untapped revenue, increased PVR, and profitability. With Autocredit101, your managers receive exclusive, industry-leading education on consumer credit bureaus and digital scorecards—insights so advanced, even seasoned pros are astonished by the results. This program unlocks vital knowledge of true credit weight, bureau attributes, and proprietary tactics drawn directly from the nation’s top subprime lending innovators. No matter what your staff’s experience, they’ll gain the competitive firepower to seize lucrative deals your competitors will miss. Join the elite group of 400+ dealers who have transformed their bottom lines and become subprime credit leaders with Autocredit101. Your dealership’s success isn’t optional—make it inevitable. Choose Autocredit101 and own your market.
PROGRAM BENEFITS
Capture increased Market Share, as nationally, >35% of autos financed are comprised of Subprime applicants. This is the most widely missed or mishandled consumer base in our industry. Capture the business your competitors miss or don’t even process.
Increases New, Certified & Used Sales volume
(ACTS) Subprime/High Risk Finance Benchmarks | >$2500 FI (PVR)
ESC > 75% Penetration | Gap >70% Penetration | Aftermarket >35% Penetration
PROFESSIONAL WORK HISTORY
ü 45+ Years’ Automotive Sales & Finance Executive Management Experience
Finance Director (Van Tuyl/Berkshire Automotive, Penske Automotive Group, Corwin Automotive) 1992- 2019
Credit Director-Zamora Automotive, Prescott 2019-(Present)
(ACTS), LLC Dealer Trainer & Consultant 2009-Present
Industry Summit Workshop Presenter, Las Vegas, NV 2013-2016
AZ Auto Dealer Association (AADA) Trainer/Consultant 2010-Present
NADA National Convention Workshop Presenter
(20) Group Workshop Presenter (The Rikess Group (TRG), NCM, and others) 2010-Present
Developed Libra Credit Bureau System 2012 Digital Airstrike
Elevate Credit & Lending Success
Maximize Dealership Performance with Credit Training
Unlock opportunities with expert credit & lending training. Improve deal flow, approvals, and profitability for dealership success.
Boost Subprime Profits with Credit Education
Enhance your team’s understanding of credit decision-making, increasing subprime lending success and profitability.
Identify Credit Early for Faster Sales
Optimize the subprime credit sales process by adding an early consumer credit identification step, improving vehicle selection, and ensuring "In-Line" PTI guidelines are met, resulting in quicker sales and delivery times and minimizing switched units, unwinds, CIT's resulting in better customer satisfaction and loyalty.
Expert Credit Training by GARY DIRSTINE
GARY DIRSTINE is a recognized industry leader in subprime consumer credit & lending guidelines training. Over 470+ dealerships have gained a competitive edge with our proven programs, boosting sales, approvals, and profitability. Gary created the Autocredit101 method to provide deeper understanding of consumer credit bureau knowledge, early credit identification, "In-line" vehicle selection which helps to eliminate switch vechicle issues, unwinds and creates faster delivery times, better CSI and stimulates finance product penetration and increased overall profitability
Understand FICO Auto Score Tiers & Subprime Stats
Learn how FICO Auto Scores predict risk and impact subprime lending opportunities for your dealership.
About ACTS
Meet the ACTS Founders Gary & Roxanne Dirstine
Meet the ACTS Founders Gary & Roxanne Dirstine
Meet the ACTS Founders Gary & Roxanne Dirstine
Founded in 2009, ACTS specializes in automotive F&I and credit training, empowering industry professionals.
Success Stories
Meet the ACTS Founders Gary & Roxanne Dirstine
Meet the ACTS Founders Gary & Roxanne Dirstine
Royal Automotive Group is a franchise line of luxury vehicles. After Autocredit101 Training and consulting, they became one of the top dealerships in the Southwest, delivering a "Full Spectrum" lending reach and capturing over 65% of their respective subprime-to-high-risk customers.
Jennifer Hurley (Corporate FI Director) Danielle Marquez (Finance Director)
Customer Spotlight
Meet the ACTS Founders Gary & Roxanne Dirstine
Customer Spotlight
Victory Toyota in WV upgrades their credit skills with ACTS training, partnering with leading subprime lenders.