Upon deciding which vechicle I was purchasing, I sat down with a Sales person who I told that I would be bringing in a check from Navy Federal Credit Union and using my 04 Tahoe as a down payment. I was told that part of the paper work was just procedure that he filled out a credit application. I specifically asked him and the sales manager if my credit application would be submitted and the both reassured me that it would not being that it was a cash deal.
Well the story is that they pulled my credit report several days after the transaction was complete and affected my credit score even though I brought them a check from another financial institute.
This is not the first time this has happened. I have heard several customers in the pass complain about this.
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