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I am an attorney with 30 years of experience; I hope to provide you information that will help you in resolving your question.
It sounds like the dealership down graded your credit to force you into a higher interest rate loan. This ios a form of deceptive trade practices and is a violation of most states consumer protection laws.
One step that you can take is to file a complaint with your state's Office of Attorney General Consumer Protection Office.
You can also file a complaint with the Federal Trade Commission. It doesn't cost you any money to file such a complaints.
You can also bring a suit against the dealership for fraud. In many instances you can recover your attorneys fees, costs, and punitive damages in addition to your actual damages.
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