I 've done extended research on how creditors and the XXXX credit bureaus report information on my credit report. I 've been monitoring my credit since XX/XX/XXXX, I did this in preparation to purchase my XXXX home. After I became a homeowner in XX/XX/XXXX, I kept monitoring my credit reports/scores with the intention of refinancing my home within the next year and be able to obtain a lower interest rate. This past week, my car broke down, therefore against my will, I found myself in need of a new car, this meant that I would have to allow a creditor to pull my credit and take the " hard-hit '' on my credit report. I looked for a new vehicle online for several days. I saved information of the vehicles I was interested in, I 've contacted the dealers and owners of the vehicles to make sure they were still available and at that point I scheduled time to go out and test drive the cars. After many days of researching pros and cons on my already narrowed-down choices, I finally picked the car I was comfortable buying. The car was at XXXX a dealership in XXXX XXXX, IL. I visited the dealer, XXXX a sales man greeted us ( my husband and I ) and showed us the car, we test drove the car and decided it was time to sit-down and negotiate on the price, we set-down with XXXX ( the sales man ). Once we started discussing financing options, I explained my situation and made XXXX aware that I was monitoring my credit meticulously, I explained my reasons and told him I would allow them ( the dealer ) to pull my credit report XXXX and mentioned that I did not wanted more than XXXX " hard-hit '' on my credit report. It was late at night, past their closing time. They kept coming back with offers on monthly payment that I was not pleased with. At this point, I was under the impression they were negotiating on the price, they did not mention they were allowing several banks to pull my credit report. We did not reach and agreement that night. Next morning, I looked at my phone and had XXXX alerts. It was not just XXXX but XXXX alerts from my credit monitoring account!!! The dealer decided to go against my will and in an effort to provide me with a lower interest rate, they had XXXX different banks pull my credit report, causing XXXX hard hits to my credit report without informing me of their decision. I am furious!!! I do not know if they 're aware of how difficult it is to establish and keep a good credit score. They have ruined years of hard work!!! I have spend the past years stressing about making sure every payment is on time ; making sure I do n't go over 30 % of my approved credit on all open credit accounts and in XXXX night and without my consent this dealer allowed XXXX different banks to performed a hard credit inquiry on my credit report. There must be something I can do to stop this from affecting my credit scores! Please help!