Jimmy's rust bucket being too unsafe to drive Hope around, Sabrina convinces him to buy a new car, even if that means his first-ever loan. The Chance parents however talk him out of taking a loan, snapping up the second-hand DeLorean they all consider a dream car as Jimmy's budget only stretches to another near-wreck. Sabrina gets him eager to borrow after all, but then they find his credit rating is 'no way', due to 'identity heft' by his parents when he was a toddler. So the family confronts credit rating official Dennis Powers, who hates their irresponsible type but loves children and DeLoreans.
—KGF Vissers