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Posted: Fri Jun 13, 2008 2:56 pm Subject: rental car agency ran my credit?

When checking on my credit recently I noticed that a rental car agency showed as an inquiry in April. I never gave them permission to run my credit, nothing was ever mentioned about it, I never gave them my social, what do I do?

Posted: Fri Jun 13, 2008 2:57 pm Subject:

I think I would dispute that...did you rent a car recently around that time? If you filled out the application for the rental car that is probably where they got your social security number from.

Posted: Fri Jun 13, 2008 3:11 pm Subject:

I reserved a rental car online in April but my husband actually picked it up, I did not ride in it or drive it at all. I did not give them my social security number nor did my husband give them mine or his. We don't give them out. Who do I dispute it to? Do I call the rental agency or do I call all three credit bureaus?

Posted: Fri Jun 13, 2008 3:25 pm Subject:

I would send letters to all of them and dispute that..I don't know how they got that information. That is scary if you didn't provide that to them how they got it is beyond me.

Posted: Fri Jun 13, 2008 4:35 pm Subject:

Truth be told, a company doesn't actually need a person's social in order to run their credit. They can pull a report just using name and address.

You should check any paperwork that you received. Hidden in the fint print, you might have given them authorization.

If not, then you should contact them directly; ask why they pulled your bureau, what justification they have, and if they cannot provide your authorization then demand they remove their inquiry.

Posted: Fri Jun 13, 2008 6:04 pm Subject:

Does a rental car inquiry lower your credit score the same way that an inquiry does when you apply for a credit card or loan?

Guest · Posted: Fri Jun 13, 2008 6:54 pm Subject:

It depends where it is showing also. Some items are viewed by others which can hurt your score.

Items under the only viewed by you section have no effect.

Posted: Sat Jun 14, 2008 5:02 am Subject:

Most rental car companies are pulling credit if you are not paying with a credit card these days.They argue it is legal because the act of rental is a extension of credit based on car value. Use a credit card for rentals and this should not happen.

Posted: Mon Jun 16, 2008 9:32 am Subject:

I did use my credit card to reserve/pay for it.

It was in the column listed "might affect credit score" as opposed to "will not"

Posted: Mon Jun 16, 2008 10:43 am Subject:

If you used a real credit card with sufficient limits to cover transaction of the rental,I would lean towards them not having a reason to pull.

Posted: Mon Jun 16, 2008 1:28 pm Subject:

Does anyone know if I should call the local rental office where my husband picked up the car, or should I call the 800# customer service about this?

Posted: Mon Jun 16, 2008 5:14 pm Subject:

I'd lean towards the 800# / customer service. You should be better able to get to someone who could explain what they did and why.

Posted: Tue Jun 17, 2008 12:33 pm Subject:

okay great thanks I'll do that and I'll let you all know what the outcome is ...

Posted: Fri Jun 27, 2008 9:39 am Subject:

well here's the update:

I called Dollar rental car, which is the name that appeared on my credit report. After 20 minutes or so of wading through reservations, she mentioned that Dollar has "sister" rental car agencies, one of which includes Thrifty rental cars. I DID rent a car from Thrifty around the same time when I was out of town, and I did use my Debit card because someone stole my card at a gas station (long story!) and the new card had not been delivered yet.

So now does this mean that I can't dispute Dollar being on my credit report? The customer service representative said it was "all there" online when you reserve with a debit card. I tried to look on the Thrifty website but it is down and I can't see anything other than the main page.

Any suggestions?

Posted: Fri Jun 27, 2008 4:51 pm Subject:

From the Thrifty website:

Posted: Sat Jun 28, 2008 5:01 am Subject:

Well the fact that a debit card was used gives them a reason to pull credit. If you want pull removed,I would use google for a web search to find the head boss of the company & ask nicely to recode the inquiry to a soft pull.

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