[JSONwebtoken]

> It's also a way to ensure that you go through with the transaction because now your credit is worse and going somewhere else would lead to worse financing.

There is no need to spread misinformation. While it is true that a hard inquiry will have a minor effect on your credit score (less than a 5 point hit), multiple hard credit inquiries from car dealerships or mortgage lenders within a period of 45 days only count as a single inquiry.

You're not at all disadvantaged by taking your business elsewhere, you're just making things up to furnish your dubious story.