So many INQ

[Anonymous]

I recently bought a new truck, and when I went to do the financing was told that she sent my info out to about 10 different banks, and the only one that approved me was Ford Motor Credit (who knows if that is true or not) at 7.29%. FMC was who I told her to finance me through when I first went to look at the truck, regardless of the rate other banks would give me (I was offered 1000 rebate for financing through them, was going to refi after). I never authorized her to send my info to other banks. Never signed anything. Now I have about 10 INQs from these banks, some are double from pulling more than one CB. What can I do?

[guydiver]

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@Anonymous wrote:

I recently bought a new truck, and when I went to do the financing was told that she sent my info out to about 10 different banks, and the only one that approved me was Ford Motor Credit (who knows if that is true or not) at 7.29%. FMC was who I told her to finance me through when I first went to look at the truck, regardless of the rate other banks would give me (I was offered 1000 rebate for financing through them, was going to refi after). I never authorized her to send my info to other banks. Never signed anything. Now I have about 10 INQs from these banks, some are double from pulling more than one CB. What can I do?

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Nothing really.  Happens all the time.  Not sure why they would have done all the other pulls though.  Sounds like they were playing the spread though.  If you requested FMC financing, then that is what they should have pulled.  Could be they did, then they tried to get a better deal elsewhere.  Good news is that the multiple inquiries will only count as one for Fico scoring purposes.  But all of the Inq. will still show on your CR(s).  You will have to pull all three to see who they harded, and how many.  That is why I have never let the dealer try to finance me.  I always go in with my credit union financing preapproved, and let the salesman know upfront I will not allow a hard pull on my CR, regardless of what they are offering.   

[Anonymous]

If you specifically told her to only have Ford Motor Credit pull your report, then you should find out what bureau  they pulled, then contact the bureau and file a dispute. This happened to me when I was browing the lot, I told the dealer not to run my credit but sure enought they did. I current have 4 disputes through Equifax.