loulou57 wrote:
dspencer wrote:
I'm a manager in the car business in the Midwest and I can tell you like the others here, they flat out lied to you. The Patriot Act has nothing to do with making you give your personal information to a dealer when your shopping around for a camper or vehicle.
Now as one of the other posters stated that a dealer required him to give all of his personal information when he was paying with a cashier's check. This practice went out many years ago in most dealerships. It was geared towards giving the dealer the opportunity to look at your credit report and see if you could afford to pay cash or not :h There thinking was that if you have bad credit you can't afford to pay cash. It has nothing to do with gathering personal information for the required Govt. forms. It was nothing but a sham practice that most dealers has quit using these days.
If you are paying cash, what concern would it be to a dealer, your credit score? He is getting his money. Is he just nosey? Here, you have to ask permission and have a signed document to be able to check someone's credit rating. It comes under the privacy act.
The explanation is that they look at your credit score to determine if your check is good and if it isn't do they have a chance of recovering anything. As I stated it's a farce that most reputable dealers gave up long ago.
