<prompt> Human: Im looking for advice on what to do with a car dealership that took advantage of me. My husband and I recently purchased 2 new cars. We had negative equity on one car, so we had to roll that into the new loan. I walked into the dealership with a credit score of 743. They then ran my credit 10 times. Now my credit is 694 because of all the pings on my credit. They told me I was denied by the credit unions in my area, and so they charged me 9 interest rate.I went into our local credit union today to open a checking account to set up direct payment for the 9 loan. In talking with the loan officer at the credit union, she informed me that they took advantage of me. Not only did that credit union never receive a loan inquiry for me, but they charged me 900 for GAP insurance, when its only 200 in our area. Not only that, she found that they added an extra percentage, so Im paying 10 on this loan. She indicated she could get me into a car at 4.What I need to know is if and how I can get my GAP insurance money back from the dealership. I paid cash for that. Im switching my loans over to our local credit union to get the lower interest rate, but the damage to my credit is alarming. How do I rectify that?Any and all advice welcome.  <response>: Your credit score dropped because you opened a new loan. The 10 inquiries counted as one because they were of the same kind. Its totally normal to have multiple inquiries in a short period of time when getting a loan.If you get a new loan now, your score is going to drop even more. 