We recently applied for an auto loan at a dealership. They checked my husband and I's credit 15 times each. Four times was with the same company. And they still weren't able to give us a vehicle even after taking myself off and adding a co-signer. We went to another highly respectable dealership and were able to get approved easily and quickly with the co-signer. We have slowly been working on getting our credit higher and this dealership has completely wrecked it even worse. My score had just gone up 50 points and after the 15 hard inquiries it lowered it significantly by 60- 70 points It lowered my husbands score almost 100 points. I had even voiced it to them in the beginning that I didn't want my credit checked multiple times he assured me that only after 4 will it do harm, which I had known. I had contacted the dealership to only be forwarded to VM quite a few times. I have heard of credit damage cases before but have no idea if this falls in those lines.
Answer
You should first try addressing this with the credit reporting agencies. Tell them that you disallowed the last 12 times they ran the credit check. Perhaps one or all will take those off
Good luck
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