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Can a car dealer continue to pull my credit for financing?
"Can a car dealer legally keep pulling my credit? I've gotten updates on my phone from Credit Karma about hard inquiries on my credit report.
In the past two weeks, a car dealer I've been working with has pulled my credit three times."
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“When you sign the paperwork for dealer-arranged financing, there’s a section that says they can run your credit and send (or even sell) your information to lenders.
So without having all the details or being able to look at this document, chances are the contract says they’re within their full legal right to do so.
In the future, get pre approval so you don’t have to worry about this.
Not only will you know how much you’re approved for, but you’ll also know the rate to compare to other lenders.
It only takes an hour at most, and it’s well worth it to have that letter in hand for your own peace of mind and as a negotiation tool when buying a
new car
.”View full answer
- Gregory R.
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