Free Credit Score - Zero Credit Impact

Your first car buying step (and mine) should always be checking your credit.  And in this post, you'll learn how to get it free.

And better yet, getting your free credit score will not impact your credit one bit!

Whether leasing or buying, when you're car shopping, you have a lot to analyze and consider at the start of the car buying process.

When you lease an automobile, you’re locked into that decision for the next three years. But if you’re buying, and planning to keep the vehicle for a long duration - whoa - it’s even more important to be confident in your car buying choices.

Knowing your credit score before you go into a car dealership can help you eliminate – or at least manage – car buying anxiety.

After countless considerations, you’re finally ready to visit a dealership, test drive your dream car and start the vehicle purchase process.

While you’re excited to get a new car, you’re still a little worried about getting the best possible deal. And oh yeah, is your credit good enough to get the best possible finance rate?

I’ve got good news for you on this iDriveSoCal Podcast! You don’t have to suffer panic attacks over handing your credit application to a car dealership salesperson.

And nope, the answer does not include dinging your credit with another hard inquiry.

Click Play to listen below as David Latif, the General Manager of Rock Honda, explains his dealership's new, super-helpful (and free!) tool for anyone who wants to check their credit score before buying a new car. And it doesn’t impact your credit a bit!

***Transcript***

Recorded @ Rock Honda, Fontana, CA

Easily Get Your 'No-Ding' Free Credit Score

David: If you're thinking anytime in the near future you want to buy a car get yourself ready; do a little bit of homework ahead of time before you walk into a dealership.  You and you can walk in a say exactly, "Look this is where I stand, this is my rate, this is what I can get." And you're in and out.

Tom: Welcome to iDriveSoCal, the podcast, all about mobility from the automotive capital of the United States, Southern California. Tom Smith here and today I am at Rock Honda in the Los Angeles suburb of Fontana, California with my good friend, Mr. David Latif, who is the general manager of Rock Honda.  Thanks for joining me again David.

David: Thank you.

"Out of 600 cars we sell, maybe one or two, if that." [Buy in cash.]

Tom: Today's topic is about really empowering you, the buyer, to walk into a dealership armed with as much information as possible to get yourself the best deal. The topic today is getting yourself pre-checked, pre-qualified from a credit perspective, right? Very, very few people come and in just plunk down thousands of dollars, tens of thousands of dollars of cash.

Just out of curiosity, David, how many people pay cash?

David: Oh, very few, very few. Out of 600 cars we sell, maybe one or two, if that.

'No-Ding' Soft-Pull Free Credit Score

Tom: So Rock Honda has something on their website that is a very helpful tool for all buyers and it's called iPrecheck. What it does is do a soft pull of your credit and it's a product of TransUnion, which is one of the three primary credit bureaus, right? You got TransUnion, Equifax ...

David: Yes.

Tom: And Experian. David, why don't you give us an overview?

"...it's a soft pull of your credit. Everybody knows when you run your credit, it shows a ding...."

David: It's through TransUnion. What it is, is it's a soft pull of your credit. Everybody knows when you run a credit, it shows a ding your credit.

Tom: Right.

David: This doesn't,