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Why do car dealerships continuously pull your credit?
Why do car dealerships pull your credit multiple times? I just signed up with a dealer for financing and they said they shop my credit profile around to different lenders. So when I looked at my credit report, I was shocked to find seven inquiries on it.
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Because the
dealership
is shopping your credit profile around, each lender will pull your credit. That’s why you’ll see so many hard inquiries.The good news is that this should only count against your credit score as a single inquiry if all the inquiries were within a 14-day period.
That being the case, you should select a lender within those 14 days or actively see what they’re offering to avoid extra hits to your
credit report
.”View full answer
- Gregory R.
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