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Posted by / 20-Oct-2017 11:25

Online porn chat no credit needed

A hard inquiry can drop your score by about five points and remains on your credit reports after about two years. Dunbar and her husband, in California, filled out a credit application after the car dealer mentioned the Patriot Act. When they later applied for a mortgage, the bank told them that having auto loan inquiries but no auto loan on their credit made it look as if they’d been turned down for the loan. If you act quickly, you can ask if the dealer can beat the terms without adding an extra ding to your credit.

The ding from the inquiry and the cloud of suspicion about whether they’d been rejected by an auto lender prevented them from getting a great interest rate on a mortgage. Multiple auto loan inquiries in a short time period, usually 30 days, are bundled and counted as one inquiry.

“What a lot of dealers do is pull a credit report while a customer is out for a test drive and then try to undercut the financing the customer got from a credit union or bank,” Henrick says.

Some basis in reality: Car dealers check for terrorists Auto dealers also might mention the Patriot Act to customers because federal law does require dealers to take measures to fight terrorism and other crime.

You have cash or financing in hand, but the dealer says, “Sorry, federal law requires a credit check. That’s a phony excuse to try to size you up, creditwise, and make an extra buck off you.

The Patriot Act clarified this requirement, adding auto dealers to the list of businesses that must conduct a check.A car dealer starts by simply running your name through the OFAC list, usually using specialized software.If the dealer gets a hit, they go through seven steps to try to verify the match, Henrick says.For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers.Anything you post may be disclosed, published, transmitted or reused.

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