<prompt> Human: Can I dispute this? Why does it make sense that the dealership would run is that the correct terminology a hard pull on a 100 cash purchase? Should I have declined to give them my SS number? I tried to decline but the dealer said it was needed for the registration. Is that even true?Thank you very much in advance for any advice you can offer me.Assistant: SSN is not required to register the vehicle, whom ever told you that was flat out wrong. They pulled your score because they wanted you to finance. Dealers make money off this.You should have documentation related to the pull -- statements of how your info is treated, etc. etc. Look over it. If its not for the purpose of financing, it would have to be spelled out there what it was pulled for. If its not kosher, call them out on it. IRS flagging wouldnt be an issue either with this cash purchase. How much are we talking? No SSN collection for me on my last 50K cash purchase. A single transaction on a car isnt going to flag money laundering.--edit: Sorry for not responding -- car wreck kinda thew wrench my week pro top: BUY A DASH CAM!. Anyway...Cash is somewhat ambiguous these days. In terms of car buying, usually anything that isnt financing is viewed as cash. From an IRS standpoint, when they say cash they mean cash -- as in the green stuff we sometimes have in our wallets. If you bring stacks of 100 bills to a dealer, in an amount 10K, they will be required to fill out a form for the IRS. This is NOT a credit pull! Its just a form they have to file, for anti-money laundering purposes. This was called out below, but would not explain his hard credit pull. If you bring a check from your bank, etc, then no such form is needed -- there is a chain of traceable custody on that money. In my scenario, I used a bank check lets face it... in this age of civil forfeiture, you would be daft to walk around with much coin anymore. Scary world man.. so I wasnt subject to the form.tl;dr: Dealer ran this persons credit for financing purposes. It remains to be seen if they did it under false pretenses. Human: It was definitely less than a 50K car. Can I dispute this with credit bureausthe dealer itself? Is there any way to get this off my credit report.  <response>: You can dispute anything on a credit report and it becomes the creditors burden to prove you deserved the activity in this case, a hard pull. Youll want to preemptively supply your cash receipt and state that you made no mention of financing and add that they stated that they fraudently demanded your SSN for registration. Before you engage, youll want to verify you didnt sign anything that authorized them to do the pull. Otherwise, this is a waste of time. 