[MJS73]

they should only be pulling the credit report if they are financing the deal. If he goes to his credit union or whatever, then the dealer has no right to pull the report. What if he tells them he is paying cash? Not like he is walking in there with a suitcase of $100's at order time, right?

They want to be sure SOMEONE can finance him. No sense ordering the card then finding out no one will give him a loan.

 

[MJS73]

And honestly dealers have spent the last 2 years boning buyers every way they can, including asking markup for the privilege of buying from them, so if that is turning to where buyers are bailing or now not getting financed, then hope the extra money they got the last 2 years helps them prepare

I'm not sure how someone gets "boned" when they agree to pay an asking price and purchase an item. Or does "getting boned" mean a seller refuses to agree to your price?