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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.

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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