Pass through lending question

[tomb]

Preapproved by my credit union for auto financing

 

Found the car I wanted at a local dealer

 

Offered the dealer the chance to beat the rate, provided that they only pull lenders who use TU, because that is over and away my best report, I already had a TU auto pull from my CU, and TU is the most amenable to b*

 

I amended the credit app in front of the sales rep, to indicate TU only, and he called attention to it with the finance guy, who was OK with it.

 

Apparently, even though the dealer only pulled TU lenders, one of the lenders he sent it to (5th 3rd), passed it through to Drive Financial, who pulled Experian. aargh!

 

Do I have recourse here? And if so, who do I approach?

[MarvBear]

No.

 

Even though you made an attempt to control the dealership, you cannot control what the indirect lender will do.

 

I would have stopped you. You would not have been allowed to amend any of the paperwork present to you for signature.