Working things out

I never could get settled enough to finally feel at ease. I shouldn't have had to worry so much. But I did. I was back to trying to do what I could to make things go easy. One day, I was looking at vans online because his van was very old and he was needing a newer one for his business. He was not able to do this online because he didn't know anything about computers for one, and for two, he spoke English, but not very well. To be quite honest, he could speak English, but didn't like to, and since he didn't try as hard, he wasn't as fluent as he should have been. Anyways, I found this really beautiful van that he could use for work. I showed it to him and he liked it. So, I started the process of setting up the paperwork. In the midst of all of this, his credit had to be checked out, so I helped him with this. He had wonderful credit, but what??? what was this? He had credit with an account that I knew that he didn't have before. And it was showing late......actually no payment on it at all? I, of course, asked him about it, and he had no clue nor had he applied for it. So, what was going on here?