Congrats on your approval. They will only ask for ss if you let them talk you into filling out a app for there financing. Just refuse since you have arranged your own financing unless you are looking to see if they can bet the rate you have with your approval.

Thank you !. i hope so.

In your case, since you don't seem to have specified a specific vehicle you intend to purchase, NFCU might have to consider final approval based on the actual car you decide that you want.

Beyond that, no, the dealership has no reason to request your SSN.

The manufacturer that I work with, if the customer has their own financing, they require an identity check, not a credit check, but for that we do need SSN. It does not impact your credit. They just want to make sure that the customer is legit.

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Starting Score Myfico EQ: 676 08/11/2011
Current Score: Citi EQ Pull: 745 Walmart TU08: 750 AMEX EX Pull: 745 1/21/2013 Goal Score: 780+
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Never had to give a dealer my SS#, and I always walk in the door with CU financing.  If they get your social, I'll bet dollars to doughnuts they will pull your reports.  YMMV,, but just sayin...., unless I had it in writing. 

MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 800,800,800!

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Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 783, TU(98) 790, EX 814(Vantage) 779(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 10K, Cabela's Siggy Visa 9.1K, Travelocity AMEX 12.5K :Take the FICO Fitness Challenge

You can thank the Patriot Act.

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Watchmann wrote:

You can thank the Patriot Act.

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Yeah, you can vote, but don't try to buy a car!

MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 800,800,800!

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Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 783, TU(98) 790, EX 814(Vantage) 779(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 10K, Cabela's Siggy Visa 9.1K, Travelocity AMEX 12.5K :Take the FICO Fitness Challenge

There were a lot of posts about this a while back.  I can't say I remember the details exactly, but if I recall, the Patrior Act does require some sort of identity verification.  And a dealer can choose to do that by pulling a credit report.  They don't have to, but if that is their policy for how they go about it, I'm not sure what you can do.  So that is why you might be getting some conflicting answers.  Some people may have gone to dealers that do the identity verification another way.

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Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13), TU 98 728 (01/06/12), TU 04 728 (lender pull) (01/12/12), EX 742 (lender pull) (01/12/12)
Goal Score: 720

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