According to a recent Consumer Report study, Car dealers have the technological ability to unlock test drivers credit report using only the info on the driver’s license. The report states that under FCRA, they must get driver’s permission but the verbiage is a little ambiguous -
Under the federal Fair Credit Reporting Act, a car dealer must always get your permission to look at your credit report. He or she can get that permission in writing—when you sign a release or a loan application—or by implication, without your signature, if there is a “legitimate business need.”
Now, it further states that test drives do not constitute a legitimate business need but only when consumer is actually initiating the purchase or lease of a vehicle qualify as business that possibly involves a need to check credit but since technological solution is available, hope someone reviews metrics such as how many reports were pulled vs. how many vehicles were sold by a dealership.
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