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Smart Shopper Talk to the Press
1229 messages, Last post on Aug 03, 2009 at 8:58 AM
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I was in the market for a new Ram 1500. It wasn't a need, as I currently have a car and knew I would be loosing money with the trade. However I received a promotion and the financing of a new truck was definitely something I could have handled. Anyways, I went in looking at the truck, went for a test drive, mentioned I was interested in a competitors model as well... The salesman asked if there was anything he could do to try and get the sale today (I fell in love with the truck and said "sure, if you could get me a really good deal") Now I did mention a few times that my credit history is still fairly new, and that if I didn't get it, it wouldn't be the end of the world as I currently own a car that does EVERYTHING I need. A month passed after they notified me that I would either need a co-sign or large down payment. (I stated that I will not use a co-signer, as any purchases I make are completely on my own.) I knew the truck deal was over, and decided to apply for a department card to make a purchase only to find out my credit check limits have been reached! I was thinking and the ONLY check that I went in for was the truck. So, I sat on that for about a week, and curiosity got me.... I ordered another credit report *only got one about two months ago prior to looking at the truck, I was decently ranked at 750.* The new report showed up as dodge applying for a loan 11 (ELEVEN) times, dropping my overall score to what is now unacceptable. I would have been fine with two or three checks, I mean two is all Mazda ever needed for my car. I have lost all trust in the dealership and dodge. If one was to be declined after two or three, it just isn't going to happen. I know they are hurting, but now they have really hurt me. Now I do have a question to that story. Is there nothing out there to protect a consumer from such behaviours? I know I consented to the credit check, but no one notified me that there was going to be so many... I now have to start to build credit all over again which is quite a set back. Regards, Nick
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Replying to: nvr (Mar 16, 2009 4:47 pm) You can get an updated report to check if anything changes for free by going to: annualcreditreport.com In fact they will give you a free report/summary from all 3 agencies, but you won't get a score. |
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Alright, I'll see what I can do with the agencies. I've always gone to equifax for the score power report, so I'll check out annualcreditreport. (I live in Canada btw, so not sure how that affects me, if at all) Also, as for the 11 checks, I am serious about that, I was disgusted by the fact that a company would do something like that. I dropped by a local bank asking if such practices are acceptable. They said they probably have a clause in the paperwork I signed. I'll be heading in to see if I can get a copy of the paperwork.
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Replying to: nvr (Mar 17, 2009 5:11 pm) Dealers mostly use Equifax here. That'sthe only one I'd be concerned about. |
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A reporter is looking to speak to consumers who purchased a larger vehicle but had considered a smaller vehicle when gas prices were high. Or if you're holding off on buying a small car because of the downturn in the economy. Please send your daytime phone number to ctalati edmunds.com by Thursday, March 19, 2009. Thanks, Chintan Corporate Communications Edmunds.com |
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A reporter is hoping to connect with people who recently bought a new vehicle and intend to drive it on vacation in the coming months. Please respond to jfallonedmunds.com no later than March 31, 2009, and be sure to note what vehicle you purchased and what you think will make it functional and fun during your vacation. Thanks, Jeannine Fallon Corporate Communications Edmunds.com |
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A reporter is looking to speak to consumers purchased a vehicle within the past three months or is planning to purchase a vehicle because of the discounts or deals that are being offered. Please send your daytime phone number and the vehicle you own to ctalatiedmunds.com by Friday, May 1, 2009. Thanks, Chintan Corporate Communications Edmunds.com |
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If you've had auto repair/maintenance work done and had some issues with the service or charges, and are willing to tell your story to a magazine reporter, would you please email jfallonedmunds.com no later than Thursday, May 14, 2009 and indicate your daytime contact information? Thanks much, Jeannine Corporate Communications Edmunds.com |
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If you own any of the following vehicles, model years 2006-2010: Honda Accord Honda Pilot Honda CR-V Toyota Camry Toyota Highlander Toyota RAV4 Ford Escape or Escape Hybrid and live in the Los Angeles area, please contact ctalati edmunds.com by August 12 if you’re interested in being contacted for more information on your vehicle ownership experience.
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