Dealership Nightmare

[NC84]

So on the 1st of the month I drove 45 min away to a dealership that displayed an SUV I wanted on its website but when I sat down with the dealer he told me its on its way to them in transit. I test drove the same car with one difference in options that I wanted so I put down a deposit and he told me the day I come to pick it up they will run my credit and do the lease. On the 3rd  I started getting all these notifications on my phone that experian and quafax was pulled 3 times a piece and dealer did not respond to any of my calls or emails for a week. Its the 12th now and still no call or anything. I took matters into my own hands and called Chrysler capital on 8th to see if I was approved when they ran my credit and they said that I was. I understand the car is still in transit but how do I protect my credit now if it dose not show up till my offers expire? I feel like Im being taken advantage of. They seroiusly told me the car was like a few hours away from waiting to be delievered.

[Anonymous]

Your mistake was allowing them to run your credit when the car is not on the lot. What you should have said was "I like this car, when it is  on the lot we can conclude the deal."

[NC84]

that's exactly what I told them! and they agreed.

[Anonymous]

Did you sign a credit app?

[Physh1]

Your deposit had to have been documented so I'm guessing you signed some sort of contract. You may want to scan through this to see if there is any mention of pulling your credit. However, sounds like they may have had permissable purpose to move forward. From a quick search here on myfico...

The FCRA permits credit pulls as a permissable purpose for any "legitimate business need"  once you initiate any business transaction with them.  It is a wide-open permission.

FCRA § 604. Permissible purposes of consumer reports [15 U.S.C. § 1681b]

(a) In general. Subject to subsection (c), any consumer reporting agency may furnish a

consumer report under the following circumstances and no other:

....

 (F) otherwise has a legitimate business need for the information

(i) in connection with a business transaction that is initiated by the

consumer; or

(ii) to review an account to determine whether the consumer continues to

meet the terms of the account.