Can I bring a copy of my credit report to the dealer so they don't pull my credit?

Can I bring a copy of my credit report to the dealer instead of them pulling my credit? I'm simultaneously shopping for a car loan and a mortgage. Finding a car is much easier than finding a house, but I don't want the hard inquiry from my car loan to hurt my chances of getting a mortgage.

Answer provided by
Eric Schad
Answered on Jul 15, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“You can bring a copy of your credit report, but it won’t do you any good. Every lender is going to run your credit to ensure it’s up to date and has no modifications.
It’s good to be prepared when you go to the dealer. Don’t forget to bring the other documents they may ask for, like proof of income.
If you’re worried about hard inquiries impacting your chance to get a mortgage, then apply for the mortgage first and hold off on buying a car.”

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