Do dealerships need to copy your id for test drives
I've been test driving vehicles recently and the deAlerships always make a copy of my drivers license. After researching online, they said its used to obtain copies of my credit report, although you need ones permission which I haven't given nor have I seen inquires.
Question is, do they need to make a copy of my drivers license for a test drive and why?
Tagged:
0
Best Answer
-
tom1965 Member Posts: 54
Also I feel it's with different dealerships, I don't recall giving Id for mercedes or bmw but Honda, Lexus, infinity yes0
Answers
They shouldn't run your credit without your permission, though.
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and share!
Edmunds Moderator
Reading online again no evidence of factual info they say it's for insurance purposes but don't need it for that. Just looking for more factual info that I know people on here test drive lots of vehicles and work in the auto business.
And, the "Insurance purposes" reason is valid too.
After I handed people's licenses back to them I would ask for their phone number and I would write it on the dr lic copy for follow up later.
The funniest one I remember happened in 1997 when the CRV's had just been introduced. They were red hot and
people actually lined up to drive the one demo we had. The salesperson told him " I need to make a quick copy of your Driver's License" The guy held it between his fingers and wagged it back and forth. " You can look at it but you can't copy it!" The salesperson then wagged the CRV keys back and forth and said " Here is the new CRV. You can look at it but you can't drive it!"
The customer stormed out of there....NEXT!
http://www.consumerreports.org/cro/news/2009/09/car-dealers-can-use-your-drivers-license-to-access-your-credit-report/index.htm
Per the consumer’s written request
To satisfy a federal court order or subpoena
A financial institution to process a credit application, such as an auto, mortgage or student loan
Utility companies when you apply for services
Prospective employers (only with the consumer’s consent)
An insurance underwriter that’s underwriting your policy
Governmental agencies to determine your eligibility for licensure or a government benefit
A legitimate business need that relates to a transaction initiated by the consumer, such as a potential investor or landlord
Current creditors to review an account to ensure terms are met or to initiate collection efforts
Child support enforcement to determine how much you can pay each month
Since a dealer is not in itself a "financial institution", and since you can read your own credit report and find out who made the inquiry, I think you could nail the dealer on this if they did it. What the consequences are, I don't know. BUT....read below....
Please note that creditors and insurance companies may also access your credit profile without your permission to determine your eligibility for prescreened offers. These are considered “soft inquiries” and do not impact your credit score.
source: Credit.com
Thank you for all responses
Common? Yes
Have to do so? I think the jury is out on that question.
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
MODERATOR
2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
MODERATOR
2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige