Complaint Review: DALLAS TRUCK CENTER - Irving Texas
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- Author Confirmed
- DALLAS TRUCK CENTER 310 S Walton Walker Blvd Irving, Texas U.S.A.
- Phone: 972-871-8557
- Web:
- Category: Truck Dealers
DALLAS TRUCK CENTER ABUSING CREDIT INQUIRIES Irving Texas
*Consumer Comment: Not Possible...
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On April 13, 2009 I did contacted sales person Ron Walston and I request information on obtaining a truck. After all details on the truck, I did fax an application; witch requires three Credit references on Paid Mortgages or equipment accounts. Just right below those credit references is a fine print that states The undersigned gives this statement for the purpose of being granted credit and warrants its truth and accuracy. I/We are applying for individual/joint credit.I/We understand that if the information contained herein is not true. I/We may be PROSECUTED to the FULLEST EXTENT OF THE LAW.
The undersigned herby authorizes any of the above named creditors to release such information as necessary for obtaining credit."
And then my signature on the app.
I did receive 13 unauthorized inquiries on my credit, the last one on 4-20-09, even after I told Mr. Walston, to call off the sale.
Mr. Walston said that was a credit Dept. mistake, and I just call the Credit Dept, spoke to Bran, he said that's nothing he can do.
This company doesn't care about you as a customer; all they care is selling you the truck.
I'm writing this to prevent others truck drivers to try Dallas Truck Center, takes a lot of work to have a decent credit score and keep it that way.
My score already drop almost 100 points with all this inquiries.
Beware and stay away from Dallas Truck Center
Julio
Lake Worth, Florida
U.S.A.
This report was posted on Ripoff Report on 05/04/2009 09:08 AM and is a permanent record located here: https://www.ripoffreport.com/reports/dallas-truck-center/irving-texas-75060/dallas-truck-center-abusing-credit-inquiries-irving-texas-448594. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#1 Consumer Comment
Not Possible...
AUTHOR: Robert - (U.S.A.)
SUBMITTED: Monday, May 04, 2009
It is for all practical purposes impossible for your score to drop 100 points in this situation, strictly on the inquiries. Without seeing the actual form, to see if there is more "fine print" and exactly how it was worded. You probably did give them permission to run your credit report, and submit your information to additional banks.
In most credit scoring systems Inquiries account for a very small portion of the overall score. For example for a FICO score it accounts for 10%. Since the FICO score only has a 550 point range(300-850), that is worst case scenerio of 55 points. Vantage has a 489 point range(501-990) or only about a 49 point drop in a worst case. However, these scorings systems also take into account that they know you are not going to get 13 cars. So they count all inquires within a 2 week period as only one. For most people you would have only seen a drop between about 3-8 points.
Along with these two major scoring systems, there are several "consumer" scores that can vary as much as 25-100 points from either FICO or Vantage. So in your "drop" are you comparing the exact same report and scoring model? If in fact there is a drop you need to look at other factors that have a much bigger effect. This includes your balances on your credit cards, any late payments posted, or collection accounts added.
Just one final side note. If they submited your application to 13 banks the finance manager either was new or probably did not really know what they were doing(IMO). Because based on your information they should have a fairly decent idea of which banks would or would not provide a loan. Where it may have made it to 5 or 6 banks(at most).
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