>Once that was sorted out, I had to deal with yet more craziness to buy a vehicle. I decided to buy a CPO Mazda from the dealer in cash (using a cheque, of course). Once I signed all the papers, they ran a credit check on my newly created SSN. The system could not find my SSN. So, they denied letting me buy the car because they couldn't accept such a large amount from a person they could not verify. My passport and Canadian driver's license were not acceptable proof of ID for the dealer.
Go to another dealer, I have bought cars with a personal check without having a credit check at all. I think that's a really unusual policy.
It's more complicated than that. If the transaction is over $10,000 it needs to be reported to the IRS. Dealers are often involved on the financing side directly, and their systems are just set up to require a Social Security number to put anything into the system. So because of the financing, some of these "know your customer" rules apply, and they automatically get applied to everyone as universal policy -- employees aren't allowed to use judgement to make personal exceptions. And physical IDs can be forged, whereas the existence of a Social Security number in a database can't be.
SSN's aren't perfect, you can still commit identity fraud. But high value financial transactions get safer the more you can verify about someone.
>It's more complicated than that.
No, It's absolutely not. Like i said, I've bought multiple cars with personal checks, all over $10,000, never gave SSN or had credit check. Unless it's some sort of local law, it's a ridiculous policy. Find another dealer.
>Dealers are often involved on the financing side directly, and their systems are just set up to require a Social Security number to put anything into the system.
This seems totally made up and doesn't match my experience at all.
I'm not defending it, just explaining it. Different dealerships will have different tolerances for risk, including allowing employees to bypass standardized requirements. I'm not making anything up, just explaining what's most likely going on with this particular dealership, and how it's not unusual.
If your dealership is letting you drive off with a vehicle with a personal check (not even a cashier's) and without any kind of credit check or database identity verification, that's actually pretty wild. I assume you know the owner or salesperson personally. Otherwise, you could be a rando passing them a forged check, and then they'll be out both cash and car. I don't know many businesses willing to take that $10K+ risk.