1. I just bought a car and when I was at the dealer, they told me the price of the car and then asked me if I wanted to see the numbers. I said yes to see how much APR it would be and monthly payments. I agreed o the rate, went home and got the car. A month has passed and I am still receiving letters in the mail from banking institutions rejecting me credit for the car. It seems like the dealers made inquiries on my credit from 10 different banking lenders. This has lowered my credit significantly. I have seen the points lower and lower. Is there any action I may take against the car dealer for running my credit via banking institutions without my permission? Or without disclosing to me that they would do so on multiple times.
2. Does a court summons appear on a federal background check? Regardless of what the summon was for. I was given a ticket for doing X, I paid it and forgot about it, until now where I am registering for a federal licensing program and the FBI will run my background check, I need to know if this will appear there or not.