Can a dealership submit a loan application on your behalf without your permission?

I signed up for financing through the dealership, as they work with local credit unions. However, I'm seeing numerous hard inquiries on my credit score. Can a dealership submit a loan application without your approval?

Answer provided by
Eric Schad
Answered on May 05, 2021
“If you signed something, chances are it said that the dealership has the right to sell that information.
Without knowing whether you signed it, it’s hard to say for sure. You probably don’t have any legal recourse.
That said, you should read through the contract to see what it says. If it says nothing in there about selling your information, you might want to hire an attorney.
Keep in mind that hard inquiries shouldn’t lower your score too much, and fighting a legal battle may cost you way more than just taking a temporary hit on your credit.”

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