Quote:
Originally Posted by nancygrl
If your credit gets run, even if you don't purchase something, score drops. Never liked that part of the system. How many times was it run?
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This is not the case. The credit bureaus give you a certain amount of inquiries over a certain amount of months. Once you go over that magical (stupid) quota then your score drops. But not by much.
OP you literally only have a car which you never missed a payment on, and a CC with no balance? Define "tremendously". Something had to have happened between the last time you ran your credit and the time the dealer ran it. Are you sure you don't have any negative items on there? I bought a new wrangler in 2014. After the deal was all done, the finance manager said "by the way, do you know you have a collection on there from an unpaid photo speeding ticket?" I was shocked, i never even got it in the mail.