Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Scores
Profile Image

Question By

0 Contributions
0 People Helped
How or Can I Get Hard Hits Removed That I Didn't Give Permission.
It's not right they ran my credit like 6 times with hard hits and I also didn't give permission to do it. I gave approval for 1 time and it was approved. I bought a vechicle on May 29th-June 1, 2015, gave the dealship my info. I was approved on the 1st try. So I go home because they had to get it ready and put the side-steps on. I'm sitting at home and I had Credit Karma at the time, all of a sudden Credit Karma kept sending me emails to my cell phone about the all these unnecessary hard hits on my credit. (Thank You Credit Karma!) I called the salesmen up right away and asked him whats going on, I'm getting all these "Hard Hits On My Credit Report!!" He tells me that he was trying to get me a better rate, I said I was already approved, I don't know why he did this since Chrysler goes through the bank that I was 1st aproved with the 1st time he ran it.
When I get there to pick up the vechicle the salesmen tells me that it only stays on your credit, I think he said: "60 or 90 day."
That was a bunch of bull and I didn't know that at that time that it wasn't true.
I need someone's help Please or Credit Karma Help me out again.
Your Help will be Very APPRECIATED!

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
5023 Contributions
1107 People Helped

This happens all the time and there is not much that you can do about it. When you gave the dealership you gave them permission and that will stand, unless you have something legal and in writing that they were only to submit your information to one bank, but I am sure that is not the case. Multiple hard inquiries for an auto loan are only scored as one inquiry when done within a window of time. Even though you see them all they will only be scored as one. The damage from that will subside after a year and in two years they will completely vanish.

Top Contributor

Reply by

97 Contributions
128 People Helped
Helpful to 1 out of 1 people

Hi zzzroc2005! Sorry to hear you went through this. Unfortunately like TryingToUnderstand said, this happens all the time and auto dealers don't care. I believe the saleman when he says he just wants to get you a better rate, as he was probably trying to reprice you for the loan (but he cant do so without conducting new hard inquiries). It's extremely frustrating, but know that credit inquiries have a pretty low impact on your overall credit score. Making monthly payments on time over time on your new auto loan will help you improve your score. And after 2 years, all 6 hard inquiries will be removed. Hope this helps!

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.