Do I have to give a car dealership permission to run my credit?

Can a car dealership run my credit score without my permission? I want to finance a car but I don't know whether I want to go through the dealership. I'm worried about too many hard inquiries on my credit.

Answer provided by
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.
Car dealerships can’t run a hard inquiry on your credit report without your permission.
If you’re going through the car dealership, make sure to read all the documents provided before you sign them.
These loan documents usually have some sort of language or clause about your credit report, if they can run it, and how they can use it.
Keep in mind that lenders will require car insurance on your new vehicle.
While you’re shopping for the best loan rate, you might want to see if you’re getting the cheapest car insurance premium. The free Jerry app is your go-to tool to find the best car insurance rates in your area hassle-free.”

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