<prompt> Human: Was looking at a new car, typically I pay cash, however this time the car was a little more then I wanted to pay cash wise, and figured its be better getting a short term loan and paying off early if I felt the need.Well my credit score wasnt the best some months ago and Ive went through hell to repair it, getting a charge off deleted and some other things. It had been well over 6 months, my latest report didnt show any of this. The dealership ran my credit with 48 different banks Thats 48 new hard inquiries which took me from a 712 down to 668 ouch!. The sales manager brought me this loan 19, 3 years and said Id get a better offer if my credit was better knew it was 712 and kinda laughed. Now before hand I had said if the bank says no I dont want to get a loan, the bank said no 47 times apparently and he kept going. The only resources Ive found is writing a letter to each bank requesting it to be removed. Is there a better method to this? Also Ive learned in the process itd been smarter getting a loan upfront and not going through the dealerships department.  <response>: Calm down. The inquiries will only count as one on your credit report. Its ok to shop for rates and the dealerships know that. But dont finance through dealerships. Go to your bank or a local credit union and get them to run it for you. It will STILL only count as one hard inquiry if done within 2 weeks. 