Prevent car dealerships from shotgun blasting a consumer's credit report to banks, automobile finance lending institutions including and up to subprime lenders multiple times without written consent from the consumer.  No impact to the consumer credit score upon initial pull of credit report from finance department within physical brick and mortar automobile dealership in which consumer is seeking to purchase automobile.   The finance department /manager of the physical brick and mortar automobile dealership, if must submit to additional lending institutions for approval of automobile financing for consumer including and up to subprime lenders or institutions may not submit consumer credit reports more than twice to any outside or additional automobile financing lending institutions without further written consent from the consumer.   Upon approval of financing for the consumer from specific lending institutions all additional inquiries other than one for which the inquiry will be deemed as a valid account holding inquiry, will be omitted within 30 days with no negative impact to the consumer credit score.        

This change will impact consumers from all communities worldwide by preventing such detrimental score decreases due to shotgun blasting consumer credit reports without consumer permission.