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Car shopping & multiple credit checks
Posted on 6/4/12 at 10:32 am
Posted on 6/4/12 at 10:32 am
I know this has been discussed before but I can't find the thread. anyway...
I was thinking about using the Capital Blank check for an auto loan, but if the dealership could offer a better rate I have no problem letting them try to beat it. My question is: would it make a difference on my credit score if I had multiple credit checks within a few days of each other for a car loan? It seems like I read somewhere that if it is for the same type of purchase in a short window of time, it wouldn't affect my credit more than the initial check.
TIA
I was thinking about using the Capital Blank check for an auto loan, but if the dealership could offer a better rate I have no problem letting them try to beat it. My question is: would it make a difference on my credit score if I had multiple credit checks within a few days of each other for a car loan? It seems like I read somewhere that if it is for the same type of purchase in a short window of time, it wouldn't affect my credit more than the initial check.
TIA
4
Posted on 6/4/12 at 10:42 am to ashy larry
I'm pretty sure you can have as many as you want in a two week window and it will only show up as 1.
Posted on 6/4/12 at 12:44 pm to ashy larry
OT: I got a car Saturday and had forgotten my check book, so they let me make the down payment with my debit card.
I can't so much as go to a gas station out of state without Chase calling me to see if someone stole my card, but a $5000 down payment goes through without a hitch.
I can't so much as go to a gas station out of state without Chase calling me to see if someone stole my card, but a $5000 down payment goes through without a hitch.
Posted on 6/4/12 at 10:46 pm to ashy larry
quote:
I was thinking about using the Capital Blank check for an auto loan,
I keep getting emails from Capital One for this. One of these days I'm going to be bored and fill out the app then end up with a new vehicle.
Posted on 6/5/12 at 8:22 am to ashy larry
You will find that Capitol Blank check hard to use. No dealers want to use it for whatever reason they will all try to finance you themselves through their lendors. I assume they get some type of kickback for using their lendors. Even with the check, the instructions, and all the paperwork that goes along with it the dealers act like they have no idea what's going on or how to use it. They will still run you credit and try to finance you themselves.
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