There is an auto loan specific credit report that looks at different factors than a normal credit report. This report is only available to car dealers and lending agencies giving auto loans. Because of this, you could get a credit report on your own then go to a dealership and find out their report is different than yours. Don’t assume your dealer is trying to cheat you if this happens. Both reports could be accurate but because they look at different things, the numbers could be different.
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