I applied through Credit Karma for a loan because I have bad credit and they said I could get qualified for a car loan. After putting in all my information and submitting it I was contacted by LHM saying they could help, but first they needed me to fill out a credit app. I told them I already submitted that info through Credit Karma so they should have everything they need and he said that they'll still need me to fill out the app eventually to give me "accurate numbers", basically saying they hadn't pulled my credit yet. I went in yesterday to ask some questions and to make a long story short I was told that I should keep working on repairing my credit and then when I do come back with $3,000 down and they could help me because there is nothing they can do. I felt like they did not want to do it because it would take too much time. I worked in the car business for the last year and I know when I see someone that doesn't want to waste their time for a mini.
This morning I got a notification on my credit report that Larry H Miller had in fact pulled my credit already after I was told that I needed to give them the info for it. Why is there a contradiction?! I knew I had bad credit going into this but I was told that the dealership that contacts me would be able to help me get a car... Turns out they do NOT even try to work with people that have bad credit like they're claiming they do because I just got "broomed" right off the showroom floor. I would never have applied for another xxxx car loan if I knew this would happen. I was told I'd get a dealership that specialized in bad credit but apparently those do not exist. Now to top it off, I still don't have something to drive and my credit score is now worse than before because of that hard inquiry!
If you've got bad credit don't waste your time going here because they won't help you. Thanks for nothing.