I've never heard of this. The dealership knows a lot of people do their own financing so it's kind of weird they would do a credit check on you as some sort of assurance they can still sell you the car. I recently bought a 2012 mustang and when I told them my credit union offered me 2.75%, they said they could beat that and performed 8 hard lookup's on me over the span of 2 days. My score only dropped 40 points. (Ultimately they said they could only MATCH that score, which I declined to let them process).
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