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Article #5749Re: Effect of multiple credit inquiries on FICO score
From: George Grapman
Date: Mon, 03 May 2004 00:51
Date: Mon, 03 May 2004 00:51
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2947 bytes
"David J. Grabiner" wrote: > I wouldn't give my SSN to the dealer to make this inquiry possible if I > had no intention of financing with the dealer. (Giving the number may > be unavoidable in some states in which the SSN is on the driver's > license, but it's still an unauthorized inquiry.) I was shopping for a new car once during a time of high interest rates. I decided to just pay for the car and have it done with. I was negotiating with a dealer and he gave me a credit application. I reiterated that I was not financing the car and he said "we like to know who we are doing business with". I gave him my license and said that was all he needed. He kept insisting on Social Security claiming that the law required it. Wound up buying the same car from another dealer who confirmed that the license was all they needed. He said it would help to have a daytime number in case they needed to reach me but made it clear that was optional. He told me that even my home phone was not required. On a related note there is no need to gibe the SS# to a prospective employer. If they claim that they need it for tax purposes you can tell them they can have it when you get the job. Of course the downside is they may think that you have something to hide. They may also have legitimate reasons to run a credit check on you prior to your employment. -- To reply via e-mail please delete one c from paccbell
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X-Google-Language: ENGLISH,ASCII-7-bit X-Google-Thread: 107518,c45e1e130fd48e3f X-Google-Thread: 106595,c45e1e130fd48e3f X-Google-Attributes: gid107518,gid106595,public Path: arc1-ca.pugleaf.net!controlnews3.google.com!news1.google.com!news.glorb.com!prodigy.com!newsmst01a.news.prodigy.com!prodigy.com!postmaster.news.prodigy.com!newssvr27.news.prodigy.com.POSTED!239afff0!not-for-mail Message-ID: <409597A2.48A660EB@paccbell.net> From: George Grapman <sfgeorge@paccbell.net> Organization: . X-Mailer: Mozilla 4.72 [en]C-PBI-NC472 (Win98; U) X-Accept-Language: en MIME-Version: 1.0 Newsgroups: misc.consumers,ba.consumers Subject: Re: Effect of multiple credit inquiries on FICO score References: <309e7c98.0402121704.2789b879@posting.google.com> <P%Tkc.26$pJ4.1651@eagle.america.net> <hqu8905rn35agbfminum4bgq2ksn8ksm8p@4ax.com> <ufzaiubv5.fsf@alumni.princeton.edu> <oi6a90t1fbavbpr6a6vki7pgl9f0b6go5a@4ax.com> <usmeifl15.fsf@alumni.princeton.edu> Content-Type: text/plain; charset=us-ascii Content-Transfer-Encoding: 7bit Lines: 29 NNTP-Posting-Host: 66.123.206.209 X-Complaints-To: abuse@prodigy.net X-Trace: newssvr27.news.prodigy.com 1083545519 ST000 66.123.206.209 (Sun, 02 May 2004 20:51:59 EDT) NNTP-Posting-Date: Sun, 02 May 2004 20:51:59 EDT X-UserInfo1: OP]_R]SEZRR]RTH]^JKBOW@@YJ_ZTB\MV@BZMVMHQAVTUZ]CLNTCPFK[WDXDHV[K^FCGJCJLPF_D_NCC@FUG^Q\DINVAXSLIFXYJSSCCALP@PB@\OS@BITWAH\CQZKJMMD^SJA^NXA\GVLSRBD^M_NW_F[YLVTWIGAXAQBOATKBBQRXECDFDMQ\DZFUE@\JM Date: Mon, 03 May 2004 00:51:59 GMT