Credit Reports Checks
2010
Do credit checks for auto loans show up on your credit report?
I’m curious to see what rate I would get on a car loan but wanted to make sure it doesn’t affect my credit score. I heard auto loan and mortgage credit checks don’t show up on your report (thus bringing down your score). Is this true?
Yes it does. But here’s the trick… Auto inquiries and mortgage loan inquiries done within a two week time period will count as one inquiry.
So if you apply with “5″ auto lenders you’ll get hit for “1″ inquiry which will affect your score a bit, possibly.
The reason is the credit bureau knows that people shop around for rates just like you. When I worked in auto finance I’d run people through several banks for an approval/better rate.
You can also order your own report with scores (tri merge) and use that to shop…. when you go to a car dealer just tell them what your score is and they can give you an idea. If it’s a new car with a special incentive program (0%, 2.9, 5.9, etc) you usually just have to fit within the first couple “tiers” of credit (the guy with 50 points lower and 50 points higher will all get the same rate). The finance guy at the dealer should be able to tell you…
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