Do car dealerships always run your credit score?

"Do car dealerships always run your credit? I want to buy a car, but I'm also shopping around for a home.

I don't want the financing for the car to cause a hard inquiry, which can lower my credit score and affect my mortgage rate."

“That depends. If you’re financing through them, they will pull your credit, but only if you sign the paperwork permitting them to do so.
Unfortunately, if you’re financing a car, getting a hard inquiry is inevitable.
It’s one process that must be done to get you qualified for financing. If you’re worried about it, buy your home first and then apply for a car loan later.
There are many other documents a dealership or lender need when financing a vehicle for you. Be sure to come prepared so that you can take some stress away from the car buying process.”
Eric Schad
Answered on Jul 14, 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.

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