Not sure if that particular coding will make a difference. It might, others may chime in. Even if it does end up being counted as 4 sep. inqs, it would probably be easy to explain if you had a manual review for credit later. You said you can see how theyr coded so far, so have you noticed a drastic change in your credit score? I understand why you are concerned but not much that can be done about it now. Once you give them permission to run credit once, they can run as many times as they want. Doesn't matter that you asked them not to do so. I for one, avoided dealer financing-- went in with CU financing in place and did not allow dealer to try and beat it. Might have cost myself the chance to lower payment by 10-15 bucks a month---maybe. The risk of numerous pulls and having them coded correctly just wasn't worth it to me. For others, getting the absolute rock bottom rate is top priority.
Hopefully, all four of your inqs will count as one. But now you know--- what many dealers say and what they actually do are two different things.
EX 805 FICO, EQ Fico 762; TU. 768Discover)
