Credit Myths

We all hate the whole checking credit thing when we go buy a car.  Many dealerships will get your social security number and blast it from here to the moon resulting in 15 or more "HITS" every time. Some dealerships will do a SOFT INQUIRY  which is no more than just running your score and history. Once you agree on terms and numbers, they will then "shop" to the lender they think you have the best chance of getting bought with.  Remember, if you are buying a car at a dealership the are required to do a credit check. Even if you are paying cash, they need to run your social through the national data base to make sure it is really YOU.  

Anyway, we all know to some degree what our credit looks like. If you don't, you should check it. Often.

Here is a link to a great article that you should read.

(Kudos to Huffpost)

 Credit Myths

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