nvtech wrote:I am in to the Garden since Nov 2013.
Got screwed with 6 hard pulls on one single day while shopping for a Car loan.
Pretty much have all the good cards between me and my wife and I Plan to be in the garden till Aug-Sep 2014.
Have plans to buy a house.
I'm in the same boat as you - the dealer hit me with 6 hard pulls on TU I had NO idea they were going to do that - had I known I would not have allowed it. I told them that from now on, they will not be pulling my credit and I will arrange the financing myself, I'm not willing to take a massive bunch of hits like that (and yes I know they are supposed to code them as one for scoring purposes it still doesn't look good though). So I was not happy and I'd like to point out to people this hasn't happened to yet to NOT allow the dealer to pull your credit, they don't care if you get a billion inquiries on your report it's no skin off their nose. Get your financing ahead of time take one hard pull and REFUSE to allow them to pull your credit. If they balk, walk out the door and go to their competition right down the road. That's the way that game works. You're holding the money and thus the power in the transaction, despite their best efforts to control you.
I'm also looking to buy a house. So I'm in the garden for about the same period as you are.