i have bought every car I've ever owned with full cash money (no credit, no payments) and every dealer still forces me to have my credit checked. Without the credit check, they won't sell the car. I bought my kids a little 80cc ATV and the same thing happened!
I wonder if you opened a brief case full of stacks of cash and said, "I have your credit report right here," if they would still insist on running one. If so, would standing up and saying something about their competitor said he could have the same car in a day or two without a credit check would change their attitude.
If someone is paying cash, why the heck do they need a credit report?
jtk
"A pessimist sees the difficulty in every opportunity; an optimist sees the opportunity in every difficulty."
- Sir Winston Churchill (1874-1965)