Do you have any legal recourse if a car dealership runs your credit without your permission?
Can I do anything if a dealer ran my credit without my permission? I just found out that a car dealership that I'm working with ran my credit. I never signed anything or even verbally agreed to this.
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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.
“Yes, you have legal recourse if you never signed any paperwork.
Some attorneys may specialize in auto fraud or a similar field and are the ideal choice for legal representation.
But before you hire an expensive lawyer, go to the car dealership and see why they pulled your credit. It might have just been a clerical error or another mistake.
You might have unknowingly signed something giving them permission. There are a lot of documents when purchasing a vehicle and many have fine print.
Plus, you should think about the aftermath.
If they pulled your credit report and your credit dropped 7 points temporarily, is it worth it to hire a lawyer for thousands of dollars to rectify the situation?
Pulling your credit is just one step in the financing process. If you do choose to continue financing with the dealer, there are many more documents you will need to bring during the car buying process.”
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