Just placed my first order with DDM last month for 35w hi-lo kit with matching fogs. In less than two weeks it was at my doorstep, so I was really surprised. Just installed headlights and so far no complaints. But I understand your frustration.
Make sure your sway bar end links are tightened. I installed my roush sway bar and the passanger side was clunking on every bump small and large. That's the first thing I would check.
^holy shit man, low 700s credit score and started with a 12.9% loan...? Does anyone else think that's incredibly high? Glad you got that thing lowered but damn! Lol