progenitor Posted January 23, 2014 Report Share Posted January 23, 2014 HI, I am a newbie here and new in USA as well. So my credit score is limited. I am the authorised user on my wifes 3 credit cards, we have 2 joint accounts. Thats the background. We went to a Honda motorcycle dealer yesterday and wanted to apply for a loan to buy the motorcycle. I gave my SSN, her SSN as she is going to be my co signer, my income is zero now. Then he came back and said he needs my SSN card which was at home, 200 miles away. So we said we dont have it right now and then we have to leave as they cannot process the application with out that. Well, I went in to see my experian credit score today and it was listed as a credit pull that other see there. That means a hard pull right? Now, is it legal for them to pull my credit score and say I need my SSN card with me? I mean I understand that , after pulling my credit score, they could say yes or no based on the credit score, but should not they have to request the SSN card before running the credit score check? Thanks for your time guys. Quote Link to comment Share on other sites More sharing options...
willingtocope Posted January 23, 2014 Report Share Posted January 23, 2014 You gave thjem your SSN which implies "permissable purpose", so I don't think them pulling your credit was illegal. As to why they asked to see your SS card, I don't know...new government regulations maybe. Did they ask for your wife's? 1 Quote Link to comment Share on other sites More sharing options...
progenitor Posted January 24, 2014 Author Report Share Posted January 24, 2014 No they did not ask for my wifes. What I am frustrated about is that, I could not buy the motorcycle because I did not take the SSN card with me and I ended up with a hard pull on my credit. Quote Link to comment Share on other sites More sharing options...
admin Posted January 24, 2014 Report Share Posted January 24, 2014 I've never heard of a dealership asking for your SSN card. However, since you gave them your SSN number, they have every right to do the pull. Quote Link to comment Share on other sites More sharing options...
progenitor Posted January 24, 2014 Author Report Share Posted January 24, 2014 So if they do a hard pull, they have to either approve or deny my application, right? And I have a right to know why as well? Quote Link to comment Share on other sites More sharing options...
willingtocope Posted January 24, 2014 Report Share Posted January 24, 2014 Yes, they should let you know their decision. (And, sorry to be blunt, but you did say you're new in the USA. Its possible they want proof that you're here legally BEFORE they issue credit. A SS card might be proof.) Quote Link to comment Share on other sites More sharing options...
progenitor Posted January 24, 2014 Author Report Share Posted January 24, 2014 Well, I have shown my EAD (employment authorisation document) for that ! And its ok to be blunt at illegal things. Quote Link to comment Share on other sites More sharing options...
willingtocope Posted January 24, 2014 Report Share Posted January 24, 2014 Then, I'm guessing that's why they asked. They needed some prof that the SSN you gave them was yours. Quote Link to comment Share on other sites More sharing options...
progenitor Posted January 26, 2014 Author Report Share Posted January 26, 2014 Alright, makes sense. Anyway I dropped the idea of loan and I am buying the bike with cash. Now could I ask them to cancel that credit pull? Thanks guys for responding to my newbie, silly doubts Quote Link to comment Share on other sites More sharing options...
willingtocope Posted January 26, 2014 Report Share Posted January 26, 2014 I don't think they can take it back. Don't worry about it...one hard pull isn't going to hurt. 1 Quote Link to comment Share on other sites More sharing options...
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