OP,
First, thank you for your service !
Next.. the car salesman obviously didn't know what he was talking about, and more than likely got things confused. Santander did not have a fraud alert on your reports, they probably called him and told him you had a fraud alert, and he confused the two.
If you have a fraud alert, Im not surprised that he wants to talk to you. If you have a FA on your reports, and you apply for credit, car whatever, you'll be declined at first, OR they will say they need to talk to you. This is standard. They need to verify its really you, and ask you verification questions, like address, SSN etc.
Don't sweat it..just call the guy.
First, thank you for your service !
Next.. the car salesman obviously didn't know what he was talking about, and more than likely got things confused. Santander did not have a fraud alert on your reports, they probably called him and told him you had a fraud alert, and he confused the two.
If you have a fraud alert, Im not surprised that he wants to talk to you. If you have a FA on your reports, and you apply for credit, car whatever, you'll be declined at first, OR they will say they need to talk to you. This is standard. They need to verify its really you, and ask you verification questions, like address, SSN etc.
Don't sweat it..just call the guy.
I’ve never felt treated any better or worse as a veteran at a dealership. Have you had any previous relationships with Santander or Sovereign Bank in the past? Are you confident that all fraud alerts have been taken off of all three major credit reporting agencies?
As for the list of monthly payments, most dealerships do that so they can figure out how much you’re willing to pay and which loan they can get you into that gives them the biggest kickback. Always negotiate on the price of the car, never the payment. Once the price is negotiated you can work on getting the lowest APR, not the lowest payment.
As for the list of monthly payments, most dealerships do that so they can figure out how much you’re willing to pay and which loan they can get you into that gives them the biggest kickback. Always negotiate on the price of the car, never the payment. Once the price is negotiated you can work on getting the lowest APR, not the lowest payment.
If you still have the number for Santander, I would call back and ask them which credit bureau they used so that you know which one to check, and possibly follow through with. With a fraud alert, you should still be able to open an account after verifying your identity, though.