w***t 发帖数: 8175 | 1 刚和dealer交涉,可否不查信用。
即使不贷款,dealer也需要查信用。信用分数会因为hard pull 降低。
查到这个,共享:
Under the Patriot Act and other Federal Laws, a Dealership is considered a
banking institution and MUST establish identity for all of their customers
they do business with.
1- A dealership may Need your SSN for titling and registration.
2- A dealership will need it for cash transactions greater then $9,999.99.
Under the USA Patriot Act, Auto Dealerships were specifically defined as
Financial institutions, and were then forced to maintain a rigorous customer
identification program.
A credit application is the easiest way for a dealership to utilize a
Customer Identification Program- as mandated by law.
http://www.privacyrights.org/fs/fs31-CIP.htm
A HUGE MISCONCEPTION IS:
The establishment of "customer identity" procedures is to establish that the
customer is who he says he is. You are correct that a credit report rarely
has information that makes that easier. That is not the point of the laws.
The reality is that the customer identification protocols are to make sure
that the person is not on a "Banned" or watch list. That the institution is
actually doing business with someone that they are legally allowed to.
Customer Identification Programs were introduced via the USA Patriot Act.
The NIADA tried to get an exemption for car dealerships but it did not go
through.
http://www.fincen.gov/statutes_regs/frn/comment_letters/
The NADA also chimed in
http://www.fincen.gov/statutes_regs/frn/comment_letters/
A nice summary of requirements is here:
http://www.m-s-lawyers.com/CM/Publications/PatriotActImp
A NIADA summary of how/why and what dealerships must do to remain compliant
with federal law is here:
http://www.niada.com/PDFs/Publications/USAPatriotAct.pdf
Information about Customer Identification Programs (CIPs) is available here:
http://www.privacyrights.org/fs/fs31-CIP.htm#2
Please understand that it is MANDATED that EVERY CUSTOMER the dealership
sells a car to be checked against OFAC, and that a dealership maintains
records of not just the person and the transaction bit also that the records
were checked. Not checking on one Customer is a minimum $50,000 fine.
http://www.ofaciq.com/Auto%20Compliance%20Sheet.pdf
Important to note:
If you are bringing your "own" financing it is probable that the dealership
does not truly need to establish identity since the institution you are
using has already done this. By the same thought, since the fine is $50,000
for not obeying federal law I am quite sure the Dealership is doing it to
ensure complete compliance with the law and also to simply to cover their a$
$ets. Either way it is the cost of doing business for both you as a consumer
and the dealership in this day and age. Talk to your congressman or senator
if unhappy.
A credit report costs money, if you were leaving with the car anyway why
would the dealership spend unnecessary money on the deal?
A credit report shows all inquiries. FICO SCORING only counts them as one. |
m********s 发帖数: 55301 | 2 你用银行本票支付就不察。
如果是私人支票肯定查。
怕跳票。
【在 w***t 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 刚和dealer交涉,可否不查信用。 : 即使不贷款,dealer也需要查信用。信用分数会因为hard pull 降低。 : 查到这个,共享: : Under the Patriot Act and other Federal Laws, a Dealership is considered a : banking institution and MUST establish identity for all of their customers : they do business with. : 1- A dealership may Need your SSN for titling and registration. : 2- A dealership will need it for cash transactions greater then $9,999.99. : Under the USA Patriot Act, Auto Dealerships were specifically defined as : Financial institutions, and were then forced to maintain a rigorous customer
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w***t 发帖数: 8175 | 3 刚问,银行支票,也查
【在 m********s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你用银行本票支付就不察。 : 如果是私人支票肯定查。 : 怕跳票。
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M******e 发帖数: 4179 | 4 这个逻辑好像有问题?
如果这样的话,那没有SSN的小留们岂不是买不了新车了?
【在 w***t 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 刚问,银行支票,也查
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y*******x 发帖数: 570 | 5 哪有的事。自己和陪人买过多少次新车旧车,除了贷款,从没查过。 |
m********s 发帖数: 55301 | 6 本票,不是支票。
买过很多次了。
【在 w***t 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 刚问,银行支票,也查
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w***t 发帖数: 8175 | 7 bank's certified check? 本票是不是这个?
【在 m********s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 本票,不是支票。 : 买过很多次了。
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w***t 发帖数: 8175 | 8 那我再问问。希望可以。
【在 y*******x 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 哪有的事。自己和陪人买过多少次新车旧车,除了贷款,从没查过。
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w*******8 发帖数: 44 | 9 10年在纽约 bank casheir check 买车.要求ssn 那会是小留没有ssn. 他们问了一下经
理,因为是真的没有,所以最后就不用填了。希望有所帮助
刚和dealer交涉,可否不查信用。即使不贷款,dealer也需要查信用。信用分数会因为
hard pull 降低。查到这个,共享:Under the Patriot Act a........
【在 w***t 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 刚和dealer交涉,可否不查信用。 : 即使不贷款,dealer也需要查信用。信用分数会因为hard pull 降低。 : 查到这个,共享: : Under the Patriot Act and other Federal Laws, a Dealership is considered a : banking institution and MUST establish identity for all of their customers : they do business with. : 1- A dealership may Need your SSN for titling and registration. : 2- A dealership will need it for cash transactions greater then $9,999.99. : Under the USA Patriot Act, Auto Dealerships were specifically defined as : Financial institutions, and were then forced to maintain a rigorous customer
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w***t 发帖数: 8175 | |
w***t 发帖数: 8175 | 11 First of all, the dealer will want to run a credit check to see if you
qualify for financing. Even if you have no intention of financing the car,
they'll still want to make the pitch. And to do that, they'll need your
Social Security number.
But that's not the main reason why you'll likely have to give it to them.
The main reason is that almost all financial transactions worth $10,000 or
more have to be reported to the Internal Revenue Service, and the dealer
will need your Social Security number for that.
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8
While the IRS, weirdly, doesn't consider a personal check to be cash, the
dealer almost certainly won't take a check without making sure you're good
for the money.
You can refuse to authorize a credit check, regardless of how hard the sales
rep pushes. But if your new car is worth more than $10,000 -- and it likely
is -- you won't have any wiggle room when it comes to your Social Security
number. |