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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."
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.
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.” View full answer
- Gregory R.
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