Does a car dealership have to run your credit even if you're not financing with them?

I want to buy a car and I already have preapproval from Regions Bank. Now that I'm going to dealerships, they want to run my credit again to see if I can get financing through them. I already have preapproval, I've done my homework, and I'm not interested in financing through the dealer. Does the dealer have to run my credit anyway?

Answer
“Unless you sign a document that says they can run your credit, dealerships aren’t able to.
If they keep hassling you about financing, you can walk away. They may think you’re bluffing, but when you head toward the door, they’ll probably start singing a different tune.
Before signing anything at the dealership, make sure to read the fine print. You don’t accidentally want to sign something that says the dealership can run your credit. If you conduct proper due diligence, you can avoid the extra hit on your credit and still walk away with a vehicle.
Don’t forget that when you buy a new vehicle, you will need proper coverage. If you haven’t already found insurance, use the free Jerry app to help you find the best deal. Jerry compares rates from the top 50 companies in under a minute, delivering the best deals to your phone.”
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Eric Schad
Answered on Aug 02, 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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