Re: Dealership have permissibl
e purpose for credit pull?
03-25-2012 08:11 AM
In March 2011 I went to a Texas car dealership filled out a credit app and purchased a used car which was financed thru a big well known bank.
In February 2012 one afternoon I got a phone call from the salesman that sold me that car saying I just wanted to call you about your recent credit app to buy a car. I asked who he was and why he was calling me because I had not filled out any apps. He told me his name and where he worked I then recognized him as he has a very distinctive name. He then starts in with ohhhh I see you made this app last year I just ran across it...My bad. Well hows that car working out for you, you know we have some really nice cars on the lot right now you should come take a look. I told him I wasn't interested in buying another car I was happy with the one I had gotten. He then says well don't you have an older car too? Yes I do its 5 yrs old with less than 40k miles on it I have no desire to replace it. He still continued to push for me to come see his cars. I then told him I was not was not wanting to purchase a car, I am not going to come look at any cars do not be pulling my credit. I then hung up on him.
Yesterday I pulled all my reports like I do every spring and guess what there is a hard inquiry from this dealership dated 2/21/12 for a car loan.
Did this dealership have a valid reason to pull my credit this February?
Personally I don't buy his excuse that oh I just ran across your app (that is basically a year old) I seriously doubt he has paperwork that old laying around on his desk. I think he was just trying to sell another car.
I would say that they absolutely did not have permissible purpose to do this. If you really want to push it send them a FCRA non~PP letter demanding that they remove the inquiry from your reports.
It is absurd to tell someone that they "just found your app" a year later. Obviously they are trying to sell cars and hitting up previous customers is one way to do it, but pulling your credit a year later is ridiculous.