Can I bring my own credit report to give to lenders for a car loan?

Can I bring my own credit report to a meeting with a lender so they don't have to pull my credit? I want to buy a house in the near future, and I don't want a hard pull for a car loan to damage my credit right before shopping for a mortgage.

Answer provided by
Eric Schad
Answered on Jul 03, 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.
“Bringing your own credit report won’t matter. A dealer is going to pull your credit for a new car anyways; it’s unavoidable.
However, you should still check your credit report using a monitoring tool like Credit Karma before getting a loan just to make sure there are no surprises.
By doing so, you can also get familiar with rates for your particular credit score.”

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