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The original was posted on /r/lifeprotips by /u/Abirdinthesky on 2025-06-30 19:33:21+00:00.
Just bought a car with cash and the dealer insisted I fill out a credit application “to make sure I’m not a terrorist” I showed them the cashier’s check from the bank and said I don’t want a hard credit pull, it stays on your record for two years and can drop your score. I even offered for them to keep the check until it clears but they refused to budge so I walked. I found a dealer that was more than happy to accept my business without any BS credit checks. The OFAC they run does not need your credit history. I later found out the dealers will shop your info around to various lenders to make money on the backend.