I visited Bell Toyota Saturday fully intending to leave in a new car. They asked how my credit was. It is excellent as was verified by a previous credit check somewhere else. They came back with my credit report and it had a discrepancy that lowered my score. I told them it was inaccurate and they said they only pull one report and maybe the other report was from a different credit bureau than the one they use. They wanted to give me the worst rate due to this inaccurate score which would have doubled my monthly payment from what I had budgeted, so I left.
I pay for an Identity Theft Protection service so I logged into my account and low and behind it shows Bell Toyota pulled my report from ALL 3 bureaus and CHOSE to usd the one with the lowest score rather than the one which does in fact show I have great credit.
I am currently purchasing my TOYOTA through my credit union at a great price & rate at the payment I wanted. All I have to do is show up at the bank tomorrow and pick it up.
Thanks for reminding me why I should never deal directly with a dealership again.