No. As others mentioned, they'll need your SSN and you need to consent to the inquiry if in the US.
Many new car dealers photocopy your license before a test drive. Tell them there is no reason to. They'll say insurance requires it. Some dealers copy your license "in case you rob the salesman." Other dealers copy your license to run unauthorized credit checks during your test drive.
By rigorously verifying customer identities, we help prevent unauthorized account access and identity theft, thereby safeguarding funds and personal information. Additionally, the use of driver's licenses enhances the overall security posture of the banking environment, fostering trust and confidence.
Major credit bureaus such as Experian, Equifax, and TransUnion allow individuals with an ITIN to request their annual credit report. You'll need to provide your ITIN, current address, and possibly a government identification card or other forms of verification to access your credit profile.
Personal Identifying Information – Information such as your name, address, driver's licence number or date of birth is required for identification purposes.
Customer Identification Program (CIP)
The specific types of ID verification required can vary from bank to bank, but frequently government-issued ID such as a passport, social security card, or driver's license are acceptable for an individual to provide.
Most banks require your ID be presented before they cash a check, but there's no standard list for what's considered an acceptable form of ID. Check with your bank or the bank that issued the check to see if you have a document that they'll accept as ID.
They might ask to see your driver's license, but this is typically just to validate your identity and make sure you have proper identification for any test drives. Dealerships don't usually conduct a DMV check to see if your license is suspended.
A dealership's finance and insurance manager (or other dealership personnel) cannot run your credit report without your permission and must ask for your signature or verbal permission.
You don't need a driver's license to buy a car. You do have to be an 'adult', old enough to sign a legal contract which in most U.S. states is 18, for insurance, title and registration in your own name. You don't need a driver's license to buy a car. You just need one to drive the car on public streets and roads.
According to a spokesperson for a national screening company, a social security number is not mandatory for a credit check. You can order a credit report with a name and address.
Credit Scores
If you have a traffic citation on your driving record, you could also have a lower credit score. This can affect your ability to get a loan and make important purchases, such as a car or a home.
Answer: Dealerships aren't supposed to check your credit without your permission, and they can't check your credit if you don't give them your personal information, including your Social Security number.
Acceptable Forms of ID for Banks
Generally, the phrase “government issued ID” covers the following types of ID: Driver's license. REAL ID card. DoD ID card (also known as Department of Defense ID Card)
The USA PATRIOT Act requires credit unions to verify the identity of their members by implementing a CIP or MIP that, at a minimum, meets the requirements of FinCEN regulation § 1020.220, Customer identification program requirements for banks, including: Member identification information.
Bank account verification can take as little as a few seconds and as many as 10 days, depending on the method used. Open banking verification and credit checks each involve electronic checks against accounts in real time. As a result, they can confirm a customer's account details immediately.
When you have a driver's license number, you can use it to run a background check. This will tell you if the person has any convictions on their record. You can also find other information about the person, such as their address and phone number.
Unfortunately, someone can steal your identity if they have your driver's license or driver's license number. Having this number may enable a thief to open a bank account or credit card account in your name, make unauthorized purchases or commit other kinds of fraud.
The What Can Happen
And if you knew your friend was going to commit fraud with your ID, you could be charged as a co-conspirator, or independently as aiding or abetting the fraud. If you or a friend have been caught using someone else's ID, you should contact an experienced criminal defense attorney immediately.
Certain individuals can check your credit with your permission, including landlords and employers. Banks, insurers, lenders, and utility companies may also pull a credit report if you've applied for credit or service with them.
The exact documents needed vary by lender, but in general, you'll need to know your income, address details (including previous addresses for the last few years) and your banking details, for the full application process. Some lenders will require further proof of ID such as your driving licence or a passport.
The bottom line
Even those who want access to your report can only ask for it if they have a legally permissible reason to do so. Both the credit reporting bureau and the person seeking access without a “permissible purpose” can be held liable if they breach the FCRA.