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TOYOYA MOTOR CREDIT AND INQUIRIES !!!!!!!

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tray
Valued Contributor

TOYOYA MOTOR CREDIT AND INQUIRIES !!!!!!!

I purchased a car a few days ago and ended up going with Toyota Motor Credit Financing after reviewing all my credit reports I found the following

2 Credit Pulls on EX  700/Credit/Boch Toyota and Toyota Motor Credit

1 Credit Pull on EQ Boch Toyota

2 Credit Pulls on TU Boch auto group/Boch toyota and Toytoa Motor Credit

 

Can anyone tell me what is going on, you know I can see pulling 1 credit report from each agency but to pull 2 extra for the same information you are getting on the first pull to me that is too excessive!!!! has this happened to anyone else with Toyota please let me know before I contact Toyota Finance thanks for any information.....


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 1 of 4
3 REPLIES 3
Datx
Valued Contributor

Re: TOYOYA MOTOR CREDIT AND INQUIRIES !!!!!!!

Pure guess at this...but to me. That looks like the Dealer did a triple pull themselves. Then when it went to Toyota Motor Credit for your loan approval, they did a EX and TU pull.

Message 2 of 4
Anonymous
Not applicable

Re: TOYOYA MOTOR CREDIT AND INQUIRIES !!!!!!!

This is not unusual.  Last two times I purchased a car...  First time, similar to your scenario.  Second time, two pulls, but only from EX.  Depends.  Second purchase was from acura and I went through Acura financing.  it resulted two pulls form EX.  one form the dealer and one from Acura Financing.

Message 3 of 4
Mike360
Frequent Contributor

Re: TOYOYA MOTOR CREDIT AND INQUIRIES !!!!!!!

This is normal. Dealership will usually pull al 3 CR's. Happened the last 2 times i went car shopping. Sometimes the finance company will also pull a report. You signed a paper giving them authorization to pull your credit report so contacting Toyota to get pulls removed most likely will get denied. Since these pulls were all within a short window they all count as 1 INQ on each CR. 

Message 4 of 4
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