The Consumer Data Industry Association says that more than 25 million people check their credit annually on one Web site alone, the government-recommended AnnualCreditReport.com, for all purposes, not just auto loans.
So, do lots of car shoppers show up armed with credit reports, maybe using gold-plated credit as a negotiating tactic? Not really, according to interviews with several F&I experts last week. And they weren't sure why not. Maybe only those with credit problems check their credit?
Sorry, if a FreeCreditReport.com jingle is now stuck in your head.