Hi everyone. I will be buying a car in the next few months and will be paying in cash. I am adamant that no dealership pulls my credit reports. Should I freeze my reports prior to visiting any of them?
you can just in case
but since you are paying in cash, when they ask about financing, say it is not needed
make sure you check every piece of paper you sign and look for anything relating to a credit check
My research indicates that an 8300 is only required if you are paying with cash money, not with a cashier's check or personal check. Since I am not applying for a loan my drivers license and birth certificate should be enough to verify my identity. Many dealerships use the "verifying identity" excuse to pull your reports and insist you take their financing. Obviously the face on my driver's license will match the one in front of them. I May have to visit several dealerships to find one that will not specifically require a hard pull on a credit bureau.