[Big Swede]

They are essentially telling you they don't trust the credit rating you told them. They want to know for sure so they can try and get you away from using your credit union and going with them. I would tell them to pound sand if you don't want to trust my word.

 

[Big Swede]

Or they're trying to see what kind of ADM you can afford when the car comes in.

R.K.

This is most likely it. When we went to buy my wife’s Camaro they wanted to run a bunch of credit b.s. before we even talked to a salesman or test drove the car. Pissed me off. I personally think it was to see how bad they thought they could screw me. Like if my credit rating was an 800+ we can screw the guy more which is total b.s.

I knew for a fact I was trading in a paid off car and paying cash for the rest of it but I didn’t want to tell them up front or it could affect my bargaining power.

 

[Big Swede]

If you are that concerned about a one hit credit pull and your credit score, the transaction looks marginal to start with.

If I was in that situation I would be more worried about losing some bargaining power. If I go in with an 840 and someone else goes in with a 700 I’m probably not getting as good of a deal.

 

[Big Swede]

So if it is a compliance requirement then why doesn't every dealership require a credit pull to order a car?

Because it’s not. You have a lying dealership if they say that. What they are really doing is two things.
1) I want to see if you’re a bum and can afford it or I’m wasting my time.
2) if you’re not a bum I want to see how high your credit is so I can dig the knife in a little deeper.

That’s 100% why they do it and also why I tell them to buzz off.