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Question By
odyo6ca7

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Should trying to find a good auto loan refinancing put a hard inquiry on credit report?
I clicked one of the recommendations here in Credit Karma. They contacted me and offered some options but I didn't like the terms. So, I didn't get the refinancing. Now I see that company pulled a hard inquiry. Is that how it's supposed to be if I try to find out some refinancing options? Should I ask them to remove the inquiry? How should I shop around for the best refinancing APR without getting hard inquiries?

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Top Contributor
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If they had permissible purpose then they can hard pull.  They can't give you an APR without pulling your credit.

Reply by
odyo6ca7

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Thanks for replying.

I must have unknowingly given my permission because I thought I could try to see my options. So, what's the best way to know I'm getting the best APR I can get? I get other offers but I worry that if I try to see if I get better deal than my current that I would get another hard inquiry.

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