Permissible purpose is the legal justification the Fair Credit Reporting Act (FCRA) requires before anyone can access a consumer's credit report. Consumer permission is the customer's explicit authorization to check...
No, you don't always need a full Social Security number to run a credit check. Whether an SSN is required depends entirely on what kind of credit check you're running....
Do prequalification soft pull credit reports have compliance requirements? Yes. This type of soft pull still requires a permissible purpose under the Fair Credit Reporting Act (FCRA), still triggers data-security...
You've extended a credit offer. The customer is approved. But their interest rate is higher than what you advertised or higher than what someone else walking through the door might...
A Texas dealership flipped on real-time identity checks for the first time on a Tuesday morning. Five days later, its system flagged a doctored driver's license mid-deal, and a detective...
Nearly one in three trade-ins walking onto a dealer’s lot right now is underwater. That's according to the latest data from Edmunds, and it's a problem every desk manager in...
Clint Eastwood made the good, the bad, and the ugly famous. In the wild west era of agentic search, it turns out dealer payment data has the same three categories....
Roughly four out of five car buyers finance or lease. That number has been stable for years. It’s not a trend. It’s a structural feature of how Americans buy cars....
I don’t usually fly home from a conference still mentally in the room. But sitting in the airport after the CBT News Auto Leadership Summit on Fair Pricing & Compliance...