Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. Much like a little kid who can't defend his position.
Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. If it's not written on the contract {buried somewhere on the back}, and if it's not clearly posted on or around the counter where you rented {I have seen these signs}, you will still have to prove that the counter agent didn't notify you of the credit check. How are you going to do that? The counter agent is going to swear that they told you of the inquiry, and you are going to deny it. As for the delay in pulling the inquiry. Possibly it was a delay in reporting the inquiry on the part of the credit bureau. I've seen that happen in the past. Use your credit card so you're protected.
Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. Can you imagine 1,000's of LAW SUITS popping up all over the country because they are doing NO PP HARDS??? $1,000 EACH...
Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. Although I agree with wach of you, but IMHO you are dead wrong and if you file, you will more than likely lose. Go read section 604 real closely, look at section 604(a)(3)(F)(i): (F) otherwise has a legitimate business need for the information (i) in connection with a business transaction that is initiated by the consumer; You initiated a business transaction with them, they have a PP to pull even though it sucks. Go to the FTC website, it basically says they have a PP to pull.
Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. otherwise has a legitimate business need for the information A "HARD" IS REALLY NEEDED??? IT HURTS YOUR SCORE LIKE YOU APPLIED FOR A CREDIT CARD OR LOAN WHEN AN AR WORKS FINE?!?!?!?!
Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. TRUTH IN ADVERTISING can work for rental agencies too!!! "You are using a DEBIT CARD...you do see our sign??? I am going to pull a credit report that will ADVERSELY AFFECT YOUR CREDIT REPORT F.I.C.O. SCORE...DO YOU STILL WISH TO USE THE DEBIT CARD"???
Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. Do it... You definately sound like you do. But every time I've ever rented a car (probably only 30-40 times ever) I do remember signing that little sheet for the return tank of gas, damage waiver, etc. But I also remember having a more exhaustive contract folded up in there as well. I know, because I had to wait on someone late from a sales meeting and read my entire contract once... <shrugs> But if they gave you a one pager and it had nothing about that at all, sue them...it'll get them (and hopefully the rest) to change their policy. I DO know that about two years ago, DW and I tried at SFO to rent a car with a DC and it was NOT POSSIBLE at all at that time....tried 4 major agencies. I dunno which is worse now...having an inquiry or not being able to rent. Surely we should all be TOLD in advance.."Well, sir...we do accept this, but to do so we will need to perform a hard inquiry to your credit." aiki
Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. You could always rent from Hertz. You can prepay on their website for the vehicle rental with a DC and just show it to them when you arrive to pick up the car. I do it a PHL all the time.. Never a credit check, and it's much easier knowing everything is taken care of before i even go to the airport to get the car. And the car is ready usually within 2 hours from the time i call. By the way, thats the only way you can rent from Hertz with a DC is in advance. You can't show up at the counter with it as a form of payment. Don't know why it is like this, but i guess they are all different.
Re: Re: Dollar Rent-a-Car Ran a Hard Inq. Update When I returned the car to the dealership, I kept the rental contract. As it turns out, the agreement is through Thrifty. But since Thrifty is owned by Dollar Thrifty Auto Group, they ran the hard inquiry. Of note, there is NOTHING in the rental agreement that indicates that they will run a hard inquiry if you tender your debit card. So, all that crap about "well, you signed the contract" is just that---crap. Even though the contract was not tendered for signature until after they ran the inquiry, it's moot. There's no contractual provision to that effect. It's starting to smell like Dollar just wants a free peep show at the credit info and financial habits of debit card users. I don't know about some of you, but my file costs $1,000.
Re: Re: Dollar Rent-a-Car Ran a Hard Inq. I was scouring the Hertz website to see how I can pay with a DC. Granted, I haven't gone throught the reservation process and rental process in looking, but in the FAQ section it states: "A: Can I use my Debit Card or Bank Card to reserve a Hertz car? Debit or bank cards are not accepted at the time of rental, however, they may be used as a form of payment when you return the vehicle." Renting cars with a DC for the next few months really interests me, but wondering what min scores they are looking for.
Re: Re: Dollar Rent-a-Car Ran a Hard Inq. In a score based credit market where inquiries depress scores, those with good credit who can use credit cards for transactions have an advantage over those with poor credit who get inquiries for the same transactions.
Re: Re: Dollar Rent-a-Car Ran a Har Using a debit card for anything like rental cars or hotel rooms is dangerous, When you rent, either a car or a hotel room, they put a hold on your card. Then when you return the car or check out of the hotel. they put the actual charge through. This does NOT automatically release the hold. On a credit card, it's not a problem. They don't actually put the charge through for the hold amount, so you don't go over the credit limit. However, on a debit card, they usually put a hold on your checking account for the hold amount. If the charge is put through and the hold not released, you may overdrawn your account. The hold means the funds weren't available to pay the charge, or checks that are presented. This happened to my husband before we got married. He only had a debit card. I gave him one of my cards to use to prevent something like this happening in the future. We never used a debit card to rent anything again.
Re: Re: Dollar Rent-a-Car Ran a Har Yeah Hedwick, I've had this happen several (ie, more than 10) times over the past 3 months. Its a hassle to watch that much money (double money) run in my account that way. I just don't have a credit card right now, yet. I'm in the early stages of a massive clean-up, with current scores in the low 500's. The only thing I've been able to get a response approval for is one of the secured cards, premier or centennial. I'm reticent to go there, knowing my scores will be much better in the next 60 days. So until then, I thought I would tough it out with the debit card. Arrgggg, between a rock and a hard place, not like any of you have been there before. Thanks for the insight!
Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. Enigma No, no, and no. It's well-settled that an inquiry is to be credit-related. Do you really think that a business-related transaction initiated by a consumer gives rise to a PP? Is Safeway running hard inq.'s on you after buying that loaf of bread and dozen eggs? Chili's having a peek at your scores after ordering those baby back ribs? Laws are distinguished by precendent and legislative intent.
Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. DEBIT CARD does NOT always mean BAD CREDIT!!! Some people just like using their checking and debit card... I DON'T HAVE A DEBIT CARD BECAUSE IT COSTS LIKE $10.00 (OR MORE) A YEAR AND EVERY $1.00 I USED ON THE DEBIT CARD WOULD MEAN ONE OR TWO LOST MILES ON UNITED OR DELTA!!!!!!!!!!
Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. Are you trying to compare buying a loaf of bread with a company loaning you a $20,000 car? If you do your homework, you will find out that Dollar has already been sued for pulling CR on debit card customers. Dollar has won each and every case. The rental transaction is a PP, because you are entering into a business agreement with them that leaves them with signifigant exposure to risk if you should default.
Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. Am I the only person here who finds it improbable that you have been on an airplane since March 2000? 19,858 messages.
Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. This seems pretty straightforward . . . There are two general instances when one's credit can be checked: 1) When you give specific permission. 2) When a company has permissible purpose. Kickman did not give specific permission (either directly or through signing the contract, since the contract did not mention the credit pull). Permissible purpose in this instance would revolve around a credit transaction. If the rental agency pulled out the money from Kickman's account to cover the rental or if they had a contract with the car dealership for payment, etc. then there was no credit transaction on the table and therefore no permissible purpose. The FCRA does not provide for using one's credit report for risk assessment (how likely is Kickman to return the car) except in the case of an investor. Further, the instances around permissible purpose are very clearly defined by the language "under the following circumstances and no other." This is exclusionary language -- either your actions fit within these very specific definitions or they do not.
