Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. Kickman- You have much to learn before you're ready to defend yourself in court. A CC authorization is a guarantee by the CC issuer that the rental car company will be paid for the rental charges. A debt card hold is nothing more than a verification that there is X amount of dollars in the account at the time of the hold. There is no guarantee provided by the bank that verifies the hold. That is the difference, and that is why Dollar is taking a risk -- a risk that they feel needs to me mitigated by verifying the quality of your credit. If you work in a law office, you will have access to Lexis Nexis. Do a search, and you will find that cases like yours have already been lost. I also posted excerpts from the FTC opinion on the matter. Dollar's attorney will probably use those same excerpts to show your local judge that Dollar does have a PP to look at your report. Dollar obtains a CAR Credit 99 Score from Equifax. Much like an insurance score lets insurers understand the risk in insuring you, the CAR 99 Score gives Dollar an idea of the risk associated with letting you rent one of their cars. It sounds like you don't want advice or facts, and instead want someone to agree with your misguided desire to sue Dollar over their legal right to look at your credit report when you attempt to rent one of their cars without a CC. Be careful here, you're about to lose some money and time by filing this case.
Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. WHAT IS THE ULTERIOR MOTIVE of the [] WANT-A-BE???
Re: Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. Are you trying to say that a car rental agency doesn't know they you're presenting a prepaid card unless it says Prepaid on it? A prepaid card transaction is treated like a point of sale transaction (debit card), and the cards are immediately identified by the terminal when it is swiped.
Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. To help the person deal with the issue by presenting facts that help them understand the situation. What is your motive? To stir up trouble and make baseless claims? The moderators of this message board would be doing a great service to ban your IP address. You don't appear to contribute anything of value to the discussions.
Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. Heh. Thanks Gottago, but I'll just take my 14 years of litigation skills and experience and put them to good use. I'm well aware of precendent and, though it's impressive that you know where to find Lexis, there's an acquired skill that goes along with analyzing cases. I've taken major companies to court and won, and not just in small claims. I know, better than many, how to prepare a case for trial. I'll be fine. But thanks very much for your concern.
Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. Hey, I've been gone for awhile but why all the hostility against George?
Re: Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. WHAT IS THE ULTERIOR MOTIVE of the [] WANT-A-BE???
Re: Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. Somebody that does not have the [TROLL] WANT-A-BE on [IGNORE] SAID THE [TROLL] WANTS ME BANNED!!!!!
Re: Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. Don't sweat it George, you know how many people you have helped on this board. It's a shame that people can't agree to disagree and leave it a that.
Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. So where is the line crossed on PP? That is the real question here. The following items can be rented at one place. What would determine signifigant exposure to risk? Truck Bobcat Forklift Camper Automotive equipment Generators Wet & Dry Vacs Tile Cutter Dollies Or how about this? Video Tapes & DVD rentals Video Game or Video game system I think this is a great thread and would hate to see it closed due to personal attacks. Kickman, I wish there was more people like you that are willing to push back on situations like this. I don't think anyone here can be right or wrong saying if you will win or lose if you pursue this. Is there a real tested answer on this? Did you deserve the hard inquiry? I guess I will be reading this board tonight instead of renting a movie. Could they pull a hard for it? What is reasonable? $1-$1,000,000?
Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. Let me ask a fundamental question that goes beyond whether this is pp or not. Set aside for a moment, the issue of whether non-credit related transactions should be considered a permissable purpose. Let's assume (for just a moment) that we agree that its appropriate to obtain a credit report for a non-credit related transaction. From a privacy perspective, should a creditor or potential creditor be allowed to observe economic activities that have no bearing on the granting of credit? What interest does a potential creditor have in knowing that you rented a car, or a chain saw or shopped for car insurance? When you think about it, this is a HUGE violation of privacy. Why are these types of inquiries allowed to be displayed to creditors? What do you think?
Re: Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. You did an excellent job of avoiding a discussion of the facts I presented you with. Please do let us know the outcome.
Re: Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. The issue here isn't if it's right or wrong for Dollar to pull the credit report. The issue here is if it is legal for Dollar to pull the report. In this case, Dollar has a legal right to pull the report. Do I think it is right for a car rental company to pull a report? Sure, if they are taking a risk. Kickman presented Dollar Rent A Car with a risk, and Dollar attempted to mitigate that risk by checking Kickman's credit. If Kickman wanted to avoid the inquiry, Kickman should have used a real credit card to secure the rental. A DVD rental isn't a risk to Blockbuster, because they have your credit card on file. If Blockbuster did not have your credit card number on file, they may be within their rights to pull a credit report. See a theme here? No one is holding a gun to our heads to do business with Dollar, Blockbuster, or any other rental company. If we decide to venture in to that realm, we must weigh the good and bad. After all, how many Creditnet.com readers would be willling to exchange their car for a debt card swipe and a signature? Dollar was doing Kickman a favor by taking that risk.
Re: Re: Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. Would Dollar have a legal right to pull a hard if you rented a Jaguar XJ8 on a First Premier unsecured card? Would Dollar be taking a risk here? Would Blockbuster have a legal right to pull a hard on a DVD with a debit card? Blockbuster doesn't have my credit card they have my debit card. Is there a risk there?
Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. What is Blockbuster's exposure to risk? $20 What is Dollar's exposure to risk? $20,000 See the difference? If your debit card fails to cover the DVD rental, Blockbuster is not going to suffer a significant loss. They certainly aren't going to pay Equifax $5 for your report in an attempt to mitigate a potential $20 loss. It is not a wise investment. If you fail to return a DVD, Blockbuster will turn your account over to a collection agent, who will proceed to make more than $20 worth of trouble for you. On top of that, Blockbuster can file charges with your local sheriff, and could potentially have you arrested for failing to return the DVD. Yes, it does happen. If you fail to return a $20,000 rental car, Dollar will spend hundreds or thousands of dollars attempting to recover that car. It is in their interest to attempt to mitigate a potential loss by screening out potential deadbeats. Finally, Dollar doesn't rent Jaguars.
Re: Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. But Gotta, you are the one who brought Blockbuster up and put them in the same category of Dollar as rental companies who may be justified to do hard pulls on their clients.
Re: Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. cinderella TALK TO A BRICK WALL you will get a more logical answer...
Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. gottago, Some car rental companies do rent Jaguars. Hertz is an example. Do you have an answer to the First Premier question? Would it be legal for Hertz to pull a hard inquiry in that situation? Would you do it if you were Hertz? Lets forget about Blockbuster and move up from there. Pick a spot below Jaguar Truck Bobcat Forklift Camper Automotive equipment Generator Wet & Dry Vacs Tile cutter Dollies
Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. $130,000+ MOTORHOME $209/NIGHT $1,500 DEPOSIT (VISA/MC) HARD INQUIRY??? I DON'T THINK SO!!! WHAT KIND OF "EXPOSURE" IS THAT???
Re: Re: Re: Re: Re: Re: Re: Re: Re: Dollar Rent-a-Car Ran a Hard Inq. I never said Blockbuster didn't have a right to pull an inquiry, I said they had no need to, since it didn't make financial sense to do so. Cinderella, I've taken the time to read through some of your posts. My advice to you would be for you to spend less time trying to prove yourself right, and more time understanding the issue before you comment on it. Dollar, Blockbuster, Hertz, Avis, and a whole other list of rental businesses have a legal right to pull your credit report. Sorry, but that's the truth. You don't have to like it, and you can try to fight it, but you are not going to win until the law is changed. The guy who complained about Dollar is not going to win a lawsuit, because Dollar had a PP to pull the report. If Blockbuster chose to pull a report on a customer, they would have the law on their side too. Don't shoot the messenger. And don't follow the lemmings(George) just because he says things ought to work the way that agrees with your opinion. He's wrong.
