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02-06-2009, 01:11 PM | #19 |
Drives: '08 Yaris Join Date: Oct 2008
Location: Dover, Ohio
Posts: 7,606
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02-06-2009, 01:23 PM | #20 | |
Drives: 2003 Mach 1 Join Date: Oct 2008
Location: Georgia
Posts: 293
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Quote:
Talked to a consumer advice person fro the Clark Howard show....they told me this isn't a big deal and that the info cannot be repurposed. I'm not buying or financing anything again anytime soon and my score is high enough it isn't really that much of an issue. I just need to make sure that the paperwork says "one time use" or something of that nature. Talked to a credit agency employee on anotehr forum and he said that there are other ways of getting security/OFAC info that don't involve a credit pull too that I should inquire about |
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02-06-2009, 01:49 PM | #21 |
help! my Yaris shrunk!
Drives: 12 Hot Lava iQ/07 Jade Vios Join Date: Jun 2007
Location: SoCal
Posts: 1,748
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Three dealers did the same thing to me.
My car wasn't going to be financed but they ran a credit report on me anyway. |
02-06-2009, 01:51 PM | #22 | |
'07 to '12:2 wipers to 1?
Drives: '12 5-door LE & '14 5-door LE Join Date: Apr 2007
Location: Orlando
Posts: 1,999
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Quote:
don't know if anyone else sees things this way but damnit.... life was never supposed to comprise of this much b/s.... |
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02-06-2009, 02:05 PM | #23 | |
Drives: 2003 Mach 1 Join Date: Oct 2008
Location: Georgia
Posts: 293
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But lets be honest, if I were really that paranoid about things I wouldn't own two other cars that get teribble gas mileage and have no real practicle purpose just because I think they're fun |
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02-06-2009, 02:09 PM | #24 |
Drives: . Join Date: Dec 2008
Location: .
Posts: 363
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This is great. Also, have the guy in the suit with the briefcase (suitcase?) full of cash be wearing sunglasses. And when he opens it to show them the cash, tell the salesperson, "It's all there. Do you need to count it?"
Last edited by eht13; 02-06-2009 at 05:04 PM. |
02-06-2009, 02:10 PM | #25 |
Drives: 2003 Mach 1 Join Date: Oct 2008
Location: Georgia
Posts: 293
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02-06-2009, 02:35 PM | #26 |
suitcase would work if it was all $1's but 15k will fit in a brown sandwich bag....
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02-06-2009, 02:46 PM | #27 |
それを吸ってください
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Patriot Act, can't avoid it
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02-07-2009, 12:37 PM | #28 |
Drives: 08 Sedan Join Date: Oct 2008
Location: Tyler, TX
Posts: 899
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http://www.irs.gov/compliance/enforc...113003,00.html
It doesnt matter what you are buying...... a car, boat, RV, groceries, beer, etc......if the transaction is more than $10,000 and was paid for in cash, ALL business must fill out an IRS form and send it to the feds. I use to work in a grocery store while I was in college and we would have people come in and wire money to different places all over the world. If it was over a certain amount, we had to have their SSN to fill out some forms. A lot of these laws have been around for decades but they got a lot stricter after 9/11. |
02-08-2009, 04:30 AM | #29 |
Drives: Yaris Join Date: Feb 2009
Location: NW
Posts: 36
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You can freeze your credit reports prior to going to the dealer. They will be able to pull a soft inquiry but not a hard. Soft inquiries will not ding your credit score. It's priceless when they try to pull your report after they have told you they weren't and it comes up blank with just your name and address. it costs $10 per agency (Transunion, Equifax and Experian) in my state. Some states are free.
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02-08-2009, 09:38 AM | #30 | |||
Start another Oil Thread!
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have we been avoiding the reason why this whole time?
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02-08-2009, 06:06 PM | #31 |
Drives: Yaris Join Date: Feb 2009
Location: NW
Posts: 36
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They may need your social for a cash transaction over 10K but they don't need to pull your credit.
Also, as far as fico scores go, the score you purchase from Fico is the "classic" fico score and will differ from wht the dealer pulls which is the "auto enhanced" version. The auto score weighs installment tradelines more heavily. |
02-08-2009, 07:39 PM | #32 |
Drives: 08 Sedan Join Date: Oct 2008
Location: Tyler, TX
Posts: 899
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Either way....they will need your SSN.....cash or finance
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02-10-2009, 10:08 PM | #33 |
Super Moderator
Drives: Yaris 2DR LB 07, MT, Abs. Red Join Date: Feb 2009
Location: San Francisco Bay Area
Posts: 5,155
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I'm in California and just got a Yaris at a local dealership here.
The same thing happened to me and they also mentioned the Patriot Act as a reason why I should fiill out a Financing Questionnaire eventhough I was paying with a cheque. I flatly refused and threatened to walk out the door at that point, told them that if my money wasn't good enough, I could go elsewhere. The Financing Manager came out and explained that they needed sufficient info to track me down if the cheque bounced (OK, that sounds reasonable) and they do need some proof of identity because they're liable for the cars (that, too). I provided them my driver's license, my Social Security #, my registration and proof of insurance for the car I was trading in, and allowed them to run the credit report if that really made them happy and that would get me out the door faster. That is all you need to give them, well, in California, at least. |
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