Mods if this is the wrong area for this question, please delete.
I have a preapproval from my credit union and they have my information all set up in a database where dealers just need to look up my info & my credit union’s and I can get my Crosstrek that same day. But the dealer wants me to fill out a credit application anyway and I pushed back, because I’m concerned my credit score will go down again because of the added hard pull.
Any creditor in the meantime can’t do anything to my info because I have a freeze in place for all of my credit reports. I told them so and they backed down. They said they still want the form filled out and given to them the day my vehicle arrives. And also to bring my pre-approval letter. The dealer confirmed they’ve worked with my credit union in the past with no problems so yeah.
What’s the deal? Is this standard for dealerships? I’m a satisfied client with my credit union and I’m ok with my rate.