<prompt> Human: I went to my local dealership with a Pre Approval from NFCU looking to get pricing to see if they could get close to the Pre Approval after everything. I even went through the process of getting my truck appraised for trade in value. When we talked about financing, I made sure to say we had an amazing Pre Approval that they could not beat and to not do their financing. Just checked my Credit Karma 2 weeks later and there is a Hard Inquiry on there from them. Can they do that? If not, can I fight to get it removed and how?Thanks in advance. Assistant: I doubt it will really matter. You had already applied for a car loan so their hard inquiry should just get lumped with the first one.Human: I had room for one hard inquiry, which was why I went with NFCU. The one from the dealership bumped me over the goodfair threshold and dropped me 20 points. Hence the post. Assistant: Thats weird. Multiple hard inquiries of the same type in a short period of time are usually lumped together as one because they know people shop around for a loan.Human: Mine have personally never lumped together. When I got my truck, there were 3 Hard Inquiries from the dealership and my bank that were all on there for 2 years. Same with my Fiancé and his truck.  <response>: They all appear on your credit report but are considered as a single pull by the scoring models 