<prompt> Human: I bought a new car, got it financed through ally, and about a month later they send me a letter saying that under the original terms they can not finance me, and I need to talk to the dealership to negotiate new terms. Is this legal? How can they go back on an original term set?  <response>: This happened to my cousin, basically in her case her credit wasnt as good as the report they initially pulled. I didnt get any details about it how her credit changed so quickly? how this was legal? but from my understanding all they did was raise her APR by .7. She wasnt happy about it but I dont think she took any action. 