[JJ]

Just a friendly tip...

Pull your credit report. That way you can get all disputes/etc taken care of before you go to get financing. You will also know kinda how you stand.

I did it, I have excellent credit , so I am ready.

 

[murley]

If there is anyone out there that doesn't have access to a report, just let me know. Being a dealer I can pull it for ya!

 

[BHODGES3]

Actually, if you are pretty sure that you have good credit it is actually better if you don't pull it. Most creditors actually frown on people who have their credit reports pulled more times than needed. It looks like they are constantly applying for this and that or that people are constantly having to check for one reason or another. I have also been told that is can actually start to affect your rating.

 

[ha-evolution]

That's what I was thinking. I was disqualified for a special interest financing deal from another unamed manufacturer (Mitsubishi) because I had too many credit inquiries even though I had a spectacular payment history.

 

[joemama]

I just bought a house and the mortgage guy gave me a copy of my report. ...My rating was excellent but ther ewa s lot of crap on there from places I have never dealt with....

I think its best to pull your report to be safe. If your credit is good one pull won't matter...

 

[amdmaxx]

www.bankrate.com

 

[murley]

Well, I didn't want to help anyway!

 

[stylelab]

Hi,

I work in the retail credit business (credit cards, loans etc.) and I can tell you that yes it is a fact, if you have a lot of credit inquiries on your credit file, it will affect your credit rating. Having a lot of inquiries shows that you are looking for financing a bit too much.
But do not mix inquiries due to many credit applications you have filled out and yourself requesting your credit file to the national credit bureau (here in Canada, it's called Equifax and TransUnion) for your personal information... When you request your personal credit file from one of these agencies, it doesn't generate an inquiry, so doesn't affect your credit rating.

Alex

 

[ha-evolution]

When you request your personal credit file from one of these agencies, it doesn't generate an inquiry, so doesn't affect your credit rating. Alex

Ah yes, forgot about this. If one went out and solicited a report from a credit agency at their own expense, it would indeed not be seen as an inquiry that would have any kind of negative impact.

Having Murley check for you undoubtedly would be a "ding" if you have lots of other creditor inquiries (like me). If this is not the case, it should not be a problem.

Lastly, thanks to Murley for the offer. It was very kind of you and don't take this in the wrong way. Your offer of assistance is much appreciated.