Quote:
Originally Posted by Summerwolf
Credit checks are not the norm for a test drive, especially a cheap car like these things.
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Disagree. it depends on the business...
Test drives can have an affect on your credit score. It all depends on the particular FICO number used (I think they are up to #9), but different FICO numbers are used for different things.
Regardless of buy or not, if you go test drive the $60k car/truck, that is an indication that you potentially want to buy said $60k car/truck, at least to the lenders.
In the end, it is all invisible to you, but behind the grand scheme of the credit score rules (made up by the banks), all they see is risk.
The more cars you test drive, the more "risk" is involved as you are showing interest in what is perceived as a "possible purchase".
I know the credit score thing is a bunch of smoke in mirrors, but test driving cars, whether one or alot, cheap or expensive, will have some effect on your credit score. How much is hard to tell.
plenty of articles on the topic.