topic Re: How to go about having dealership remove inquiries..? in Auto Loans

How to go about having dealership remove inquiries..?

frankjaeger — Thu, 09 Jul 2020 13:54:06 GMT

Long story short, I applied for credit yesterday (online) for a new vehicle and the dealer ran my credit three times through three different banks. Then, then dealership tells me that the listing on their website was wrong and the vehicle I applied for is completely different than the pictures I was looking at. The actual vehicle I was looking at is $4,000 more than the one I applied for. So everything in the listing was correct except for the pictures.

Now my question is simple. How can I have those three inquiries removed since it's the fault of the dealership that they were selling me a different vehicle than what I was applying for..

EDIT: I have proof (emails) from the dealership that the vehicle they advertised to me and had me apply for was not the vehicle they were actually selling, if that helps my case.

Re: How to go about having dealership remove inquiries..?

Anonymous — Thu, 09 Jul 2020 14:03:54 GMT

Fighting inquiries is basically a lost cause. Accept them and move on.

Re: How to go about having dealership remove inquiries..?

Brian_Earl_Spilner — Thu, 09 Jul 2020 14:08:26 GMT

Ask the dealership to have them removed due to their mistake. They can do it.

Re: How to go about having dealership remove inquiries..?

frankjaeger — Thu, 09 Jul 2020 14:34:22 GMT

@Brian_Earl_Spilner wrote:
Ask the dealership to have them removed due to their mistake. They can do it.

Who at the dealership should I be asking? Their finance guy?

Re: How to go about having dealership remove inquiries..?

Brian_Earl_Spilner — Thu, 09 Jul 2020 14:40:41 GMT

@frankjaeger wrote:
@Brian_Earl_Spilner wrote:
Ask the dealership to have them removed due to their mistake. They can do it.

Who at the dealership should I be asking? Their finance guy?

Start with the finance manager. I wouldn't demand they do it. Just say it's the right thing for them to do and it doesn't affect them negatively to make it right and it would go a long way to you possibly still using and recommending them.

Re: How to go about having dealership remove inquiries..?

Anonymous — Fri, 10 Jul 2020 00:39:35 GMT

@frankjaeger wrote:
Long story short, I applied for credit yesterday (online) for a new vehicle and the dealer ran my credit three times through three different banks. Then, then dealership tells me that the listing on their website was wrong and the vehicle I applied for is completely different than the pictures I was looking at. The actual vehicle I was looking at is $4,000 more than the one I applied for. So everything in the listing was correct except for the pictures.

Now my question is simple. How can I have those three inquiries removed since it's the fault of the dealership that they were selling me a different vehicle than what I was applying for..

EDIT: I have proof (emails) from the dealership that the vehicle they advertised to me and had me apply for was not the vehicle they were actually selling, if that helps my case.

I agree with some posts above. It 50-50 chance that the dealership willing to remove the inquiries. A reminder that auto inquiries within 14 days time frame counts as one inquiry for FICO scoring purposes.

Re: How to go about having dealership remove inquiries..?

Mr_Mojo_Risin — Fri, 10 Jul 2020 01:22:58 GMT

@Anonymous wrote:
@frankjaeger wrote:
Long story short, I applied for credit yesterday (online) for a new vehicle and the dealer ran my credit three times through three different banks. Then, then dealership tells me that the listing on their website was wrong and the vehicle I applied for is completely different than the pictures I was looking at. The actual vehicle I was looking at is $4,000 more than the one I applied for. So everything in the listing was correct except for the pictures.

Now my question is simple. How can I have those three inquiries removed since it's the fault of the dealership that they were selling me a different vehicle than what I was applying for..

EDIT: I have proof (emails) from the dealership that the vehicle they advertised to me and had me apply for was not the vehicle they were actually selling, if that helps my case.
I agree with some posts above. It 50-50 chance that the dealership willing to remove the inquiries. A reminder that auto inquiries within 14 days time frame counts as one inquiry for FICO scoring purposes.

As long as those inquiries are coded correctly. Many people have been on the wrong side of that.

Re: How to go about having dealership remove inquiries..?

Azuieldrago — Sat, 11 Jul 2020 13:55:57 GMT

Hard part is they have the permission paperwork saying to run your credit from multiple sources. No different if you walked in there asked them to run your credit to see where you are at and not have a vehicle in mind yet. It may not just be the dealer you will have to talk to but the other lenders that pulled your reports. It may be best just to let it sit and age off.

Re: How to go about having dealership remove inquiries..?

Azuieldrago — Sat, 11 Jul 2020 17:33:55 GMT

@Anonymous wrote:
its my money and i need it now!

How is that beneficial to the topic?