Timeline for Should I worry about having my credit pulled multiple times while car shopping?
Current License: CC BY-SA 4.0
17 events
| when toggle format | what | by | license | comment | |
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| Oct 2, 2022 at 14:25 | history | protected | CommunityBot | ||
| Jun 13, 2019 at 20:26 | comment | added | studog | In Canada you are legally entitled to one free copy of your credit report per year from each Credit Bureau, so you can monitor yourself. I believe this is the same in the US. The Credit Bureaus sure make it difficult for you to get your free annual report though. A phrase I have found useful in the past is "I was recently denied credit"; that often gets a person on the phone, or gets you through to the free copy automated menu system. | |
| Jun 13, 2019 at 18:09 | comment | added | Glen Yates | If you are having your credit pulled when shopping for a car, then you should be concerned that you are buying a car that you cannot afford. | |
| Jun 12, 2019 at 17:13 | answer | added | Paul | timeline score: 1 | |
| Jun 12, 2019 at 17:01 | history | edited | NL - SE listen to your users | CC BY-SA 4.0 |
deleted 20 characters in body; edited title
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| Jun 12, 2019 at 16:40 | answer | added | Matt | timeline score: 1 | |
| Jun 12, 2019 at 0:17 | comment | added | Dancrumb | Also, if you might want to look into securing an auto loan through a bank or credit union, rather than a dealership. Car salesmen have all sorts of tricks and if you are buying with cash (which is basically what you're doing if you're financed elsewhere) you take one of their tricks from them. Also, don't fall for "cashback" or any of that crap... they're basically increasing the loan and then charging you interest on that additional money. Do whatever you can to get financing from some other source than a dealership. | |
| Jun 11, 2019 at 14:41 | comment | added | dwizum | You've already received several good answers - I would just add, it makes good sense to obtain your credit report via free services that don't ding your score (i.e. creditkarma) and use the info on it to get a good idea for what sort of loan you can be approved for. Then, don't let a dealer or bank actually pull your score for real until you've done your test drives and shopped and you're ready to make a purchase. Letting a dealer pull it "just to see" is yet another trick they'll use to make you feel committed to them vs going somewhere else. | |
| Jun 11, 2019 at 12:00 | history | tweeted | twitter.com/StackFinance/status/1138415795673997314 | ||
| Jun 11, 2019 at 10:24 | comment | added | user71981 | Is this US? Please add the tag. | |
| Jun 11, 2019 at 9:58 | answer | added | DaFoot | timeline score: 41 | |
| Jun 11, 2019 at 9:38 | history | became hot network question | |||
| Jun 11, 2019 at 9:05 | comment | added | JTP - Apologise to Monica♦ | Did you sign a form allowing him to pull the report? Did you already start negotiating a purchase price? | |
| Jun 11, 2019 at 3:29 | answer | added | TTT | timeline score: 52 | |
| Jun 11, 2019 at 1:30 | answer | added | void_ptr | timeline score: 155 | |
| Jun 11, 2019 at 1:20 | review | First posts | |||
| Jun 11, 2019 at 9:04 | |||||
| Jun 11, 2019 at 1:15 | history | asked | Chris | CC BY-SA 4.0 |