Posts Tagged ‘Barry Lang’

Service of Leasing a Car in a World of Hackers

Monday, May 7th, 2018

2018 Malibu

A friend was refused a credit card offered by a cashier along with a special promotion at a store she frequents. She has a top credit rating. The cashier didn’t explain why her application was declined and she’d forgotten that she’d frozen access to her credit reports.

I, too, was tripped up by a frozen credit report. This post is to remind folks who protected themselves from the Equifax debacle or who froze their reports for any other reason to remember they’ve taken the step and to tuck the PIN numbers from credit services in a handy place.

Photo: nextbigfuture.com

In my last post I wrote about my experience identifying myself to my auto insurance company when we were leasing a new car. I didn’t remember which PIN number they were asking for—I have so many for that company–and ran into a second wall when my answer to “What’s the name of your child?” was “I don’t have one.”

Turned out we weren’t out of the woods once we’d cleared the insurance hurdle.

Starting from the beginning, we were at Ruge’s Chevrolet in Millbrook, N.Y. the last Saturday in April. We’d become, uncharacteristically, the kind of indecisive customers salespeople must detest. We finally leaned in favor of one model, but didn’t care for the color of the car on the lot. Fire engine red isn’t us. So we chose a different model.

I’m not used to being this finicky. Our salesman of many years, Barry Lang, was cheerful and patient as we zigged and zagged and although he didn’t show it, he must have been happy to see us leave [while wondering: “What happened to them?”]. It wasn’t the last of us. We had an appointment to pick up the new car Monday morning—the day the lease on our other car expired.

Barry Lang, Ruge’s Chevrolet

Not long after we left, Barry called to ask me to lift the freeze I’d put on my credit file at TransUnion. He gave me all the information I needed to reach them and I immediately tried online as the office was closed until 8:00 a.m. Monday. But my social security number was not in the system. [I knew that wasn’t accurate!]

When I updated Barry, saying I’d return to the city to retrieve my TransUnion file Sunday and grab the earliest train north Monday morning, he told me to relax, to stay put and to enjoy the weekend in the country.

Monday 8 a.m. I answered all the questions of the TransUnion agent until he asked for my PIN number. When you freeze your account, you get this number in a letter mailed to your official residence. I was sunk. The number was in the city. I was 90 miles away.

In the end, I was lucky: I reached David Reich, an associate whose office is next to mine and who was at work early. He found the paperwork and PIN and I was back in business.

The rest of the procedure at Ruge’s was seamless. Barry showed me what was new about the car. In fact, he shot me an email a few days afterwards urging me to contact him if I needed a refresher about the new technology or features. The new car has no key, for example. I start and stop the car by pressing a button.

The glitches were my fault. Remembering how smoothly everything had gone in previous transactions either buying or leasing a car from this company I came unprepared. The hiccups were caused because I’m not yet used to how I’m forced to protect myself from hackers. I didn’t come armed with the appropriate PIN numbers.

I’m grateful to TransUnion for protecting me from potential scofflaws as, no doubt, is my friend, even though she couldn’t glean the goodies offered by the retail store’s promotion.

Have you been blocked from making a purchase because of a credit report freeze or didn’t you freeze yours? Have you found it more complicated than previously to make large purchases involving credit these days?

Photo: 123rf.com

 

 

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