Q: I recently found a car I really liked and could afford, however, when auto dealer at Toyota wanted to run my credit, (over phone, by the way) with my approval, he called back and said, no credit history is coming up on all three reports…I just pulled all three credit history reports with scores, with no problem! Is this normal for a car dealership? Is it possible we can find out who they used to pull my credit history?
A: To answer your question, no, it’s definitely not normal for a car dealer to pull your credit report and then find “no history” at all if you’ve clearly established credit over the years.
You can certainly ask the rep from the car dealer what credit bureau he checked; he’ll probably be willing to tell you this information.