Car Rental

Wednesday, September 21, 2022

Chicago O'Hare International Airport Terminal (ORD) Auto Rental Overview

Last Updated on September 16, 2022 by Kristin

Need a Chicago airport car rental? It may not be the largest airport in America anymore, but Chicago O’Hare International Airport (ORD) is once again the busiest, having surpassed Atlanta’s Hartsfield-Jackson in flight traffic last year.

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O’Hare has four terminals—1, 2, 3 and 5. There is no Terminal 4. (There once was a Terminal 4 for international flights but that building is now the airport’s shuttle bus depot.) Among the quartet of existing terminals, Terminal 5 serves international flights while Terminals 1 through 3 serve domestic travel and are connected to each other. The largest, Terminal 3, includes four separate concourses.

Rental Cars at ORD Airport

Need to pick up a rental car? From the lower-level baggage claim area, you can catch a 24-hour shuttle from the curb. The digital display on the bus will read: “Rental Cars / Parking Lot F.” Each terminal has designated areas for drop-off and pick-up. From there, the buses go to O’Hare’s Multi-Modal Facility, a one-stop-shop for all the major rental car companies at the airport.

There are 12 rental car companies operating at the Multi-Modal Facility:

Alamo Rent a Car (833) 863-1447

Available Services: Online check-in and self-service kiosk. Online check-in offers the option to “skip the counter” and go straight to your car.
Return Location: 10255 West Zemke Blvd., Chicago. The Multi-Modal Facility is located on the southeast corner of Zemke Blvd. and Mannheim Rd. As you approach the building, look for the blue sign pointing to the rental car return area. Once inside the garage, follow the signs for Alamo.
Location Hours: Location is open 24/7.

Check Airfare Prices on Priceline

Avis Rent a Car (773) 825-4600

Preferred Services: Change your pre-selected vehicle in the Select & Go Exchange Area or pick a nicer car in the Select & Go Upgrade Area. Prices are on the cars’ hangtags.
Return Location: 10255 West Zemke Blvd., Chicago. The Multi-Modal Facility is located on the southeast corner of Zemke Blvd. and Mannheim Rd. As you approach the building, look for the blue sign pointing to the rental car return area. Once inside the garage, follow the signs for Avis.
Location Hours: Location is open 24/7. In a hurry? Place the completed contract and keys in the drop box located in the returns area.

Budget Car Rental (773) 894-1900

Preferred Services: Look for the Fastbreak line or kiosk. Show your ID, and you will receive the rental agreement, keys and instructions for finding the car.
Return Location: 10255 West Zemke Blvd., Chicago. The Multi-Modal Facility is located on the southeast corner of Zemke Blvd. and Mannheim Rd. As you approach the building, look for the blue sign pointing to the rental car return area. Once inside the garage, follow the signs for Budget. Fastbreak members do not have to go to the counter to return the car.
Location Hours: Location is open 24/7.

Dollar Rent a Car (877) 283-0898

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Enterprise Rent-a-Car (833) 856-0900

Return Location: 10255 West Zemke Blvd., Chicago. The Multi-Modal Facility is located on the southeast corner of Zemke Blvd. and Mannheim Rd. As you approach the building, look for the blue sign pointing to the rental car return area. Once inside the garage, follow the signs for Enterprise.
Location Hours: Location open daily 5 am-12 am. For drop-offs outside these hours, leave keys in the dropbox.

Fox Rent a Car (312) 741-0788

Return Location: 10256 West Zemke Blvd., Chicago. The Multi-Modal Facility is located on the southeast corner of Zemke Blvd. and Mannheim Rd. As you approach the building, look for the blue sign pointing to the rental car return area. Once inside the garage, follow the signs for Fox Rent a Car.
Location Hours: Location is open 24/7.

Hertz (773) 481-2400

Available Services: Self-service kiosks
Preferred Services: Gold Canopy Service, Gold Choice, and Prestige Service are available.
Return Location: 10255 West Zemke Blvd., Chicago. The Multi-Modal Facility is located on the southeast corner of Zemke Blvd. and Mannheim Rd. As you approach the building, look for the blue sign pointing to the rental car return area. Once inside the garage, follow the signs for Hertz.
Location Hours: Location is open 24/7.

National (833) 856-0901

Preferred Services: Emerald Aisle and Drop & Go are available.
Return Location: 10255 West Zemke Blvd., Chicago. The Multi-Modal Facility is located on the southeast corner of Zemke Blvd. and Mannheim Rd. As you approach the building, look for the blue sign pointing to the rental car return area. Once inside the garage, follow the signs for National.
Location Hours: Location is open 24/7.

Payless Car Rental (224) 220-0604

Check Flight + Hotel Packages on Priceline

Routes Car Rental (847) 671-4000

Return Location: 3901 Mannheim Rd, Schiller Park. The Multi-Modal Facility is located on the southeast corner of Zemke Blvd. and Mannheim Rd. As you approach the building, look for the blue sign pointing to the rental car return area. Once inside the garage, follow the signs for Routes Car Rental.
Location Hours: Location is open 24/7.

Sixt Rent a Car (312) 429-1140

Return Location: 10255 West Zemke Blvd., Chicago. The Multi-Modal Facility is located on the southeast corner of Zemke Blvd. and Mannheim Rd. As you approach the building, look for the blue sign pointing to the rental car return area. Once inside the garage, follow the signs for Sixt.
Location Hours: Location open daily 5 am-12 am. Outside of business hours, return your car to Sixt return area on level 2 of the Rental Car Center. Lock the vehicle and deposit the key in the dropbox next to the Sixt booth.

Thrifty Car Rental (877) 283-0898

Note: AutoSlash may receive compensation on purchases made from chosen links.

Related:

The Best Hotels on Chicago’s Magnificent Mile
The Best Outdoor Dining Spots in Chicago
How to Find Cheap Parking in Chicago
Which Toll Pass is Best for Your Chicago Car Rental
Best Road Trips from Chicago

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https://rentacar24.org/car-rental-news/chicago-ohare-international-airport-terminal-ord-auto-rental-overview/

What Takes place if You Obtain an E-ZPass Violation in a Rental Cars and truck

Last Updated on September 19, 2022 by Kristin

Photo credit: Shutterstock

Did you get an E-ZPass violation in a rental car? Getting stuck with a toll violation in a rental car can be a pricey addition to your trip. That’s because the violation will be sent directly to the rental car company. You’ll be billed for the toll and penalty fee, and the rental car company will charge an additional admin fee.

Violations have a nasty way of snowballing. For example, the Chicago Skyway toll in Illinois is $5.30 for a passenger car. If you pay your violation within seven days, that’s all you owe. But the rental car company might not even pass on the violation notice within that week. And if you don’t pay within seven days, the cost jumps to over $30 for the violation and collection fee. Expect an other fee on top of that from your rental car company.

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There are several reasons you can get a toll violation, some of which are less obvious than others. Plan ahead and be sure not to make any of these mistakes.

Common E-ZPass Violations

Toll Evasion: This is probably what you think of when you hear “toll violation,” and it’s pretty straightforward. Toll evasion occurs when you drive through a lane without paying and without a valid E-ZPass tag mounted in your vehicle.

Be aware that it’s getting easier to end up unknowingly driving on a toll roll. In states like New York, for example, toll plazas are disappearing. They are being replaced by cashless toll overpasses that record your car as you drive underneath.

Insufficient Funds: When your account is below zero and you travel through an EZPass Only lane. This could be because you forgot to reload your account funds. Or it could be because your credit card on file is no longer valid. Be sure to check your account balance before you hit the road in a rental car with your own transponder.

Transponder Error: You could get stuck with a toll violation if your transponder isn’t properly mounted in your vehicle. In addition, something may be blocking the transponder signal.

Class Mismatch: When your E-ZPass tag designating the vehicle class does not match the vehicle you are driving, it’s a violation. This is unlikely, but if you plan to switch your transponder between multiple vehicles or to a rental car, just make sure they’re in the same vehicle class.

Speeding: When you travel through the E-ZPass lane at a speed in excess of the posted limit, you can snag yourself a violation. While many electronic toll plazas don’t even require you to slow down anymore, keep an eye on posted speed limits to make sure you don’t end up in trouble. Common lane speeds are 5 mph and 20 mph.

How to Avoid E-ZPass Toll Violations

Bring your own transponder. If you have an E-ZPass transponder on your car at home, bring it along to save money and a lot of hassles. Most electronic toll systems use the car’s license plate as a backup if the transponder can’t be read properly, so if you’re using your own transponder, consider logging on to your E-ZPass account online to add your rental car license plate to your account. Just don’t forget to remove it when your trip is over.

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Use cash toll lanes. While electronic-only toll plazas are becoming more common, you’ll still find cash toll lanes in many states. TollGuru can help you find routes with cash toll lanes in addition to E-ZPass or other transponder lanes.

Map out your route to avoid tolls. It may seem like tolls are everywhere, but they can often be avoided. You might add some time to your trip, but you’ll save money, avoid traffic, and get to enjoy the scenic route. Use a navigation app like Waze to find a toll-less route.

If you decide to travel on toll roads, use a toll calculator to estimate your costs before your trip.

Do your homework on your rental company’s toll policy. Some rental car companies charge a steep daily fee if you opt to rent their transponder, while others offer reasonable rates if you simply can’t avoid electronic toll plazas. It’s a safer bet to opt for the daily toll fee than to risk paying a pricey fine after the fact. Silvercar is one brand known for fair toll rates with a one-time admin fee, rather than a daily rate that adds up over the course of your rental.

Pay for tolls online.

We hope this option becomes more widely available across the United States. If you’re driving a rental car in New York state, there is a handy website that lets you pay your tolls instead of being charged extra fees by the rental company. Taking advantage of this service is simple. Just drive through an E-Z Pass toll lane without stopping. If your rental vehicle is equipped with an E-Z Pass transponder on the windshield, be sure to keep the box closed so the tolls do not go directly to the rental company, which they will pay and then charge you a “convenience fee.”

Within 48 hours of traversing your first toll, head to the Tolls by Mail website to enter in the license plate of your rental vehicle as well as the start and end dates/times of your rental along with your credit card information. It’s a simple process. As long as you sign up within the 48-hour window, the tolls should get charged to your credit card and let you sidestep the rental car company’s convenience fee.

We also know of a similar pay-by-mail option for Illinois and Pennsylvania.

How to Dispute an E-ZPass Toll Violations

Be forewarned that disputing an E-ZPass violation is a bureaucratic nightmare. It requires writing a letter sent to an E-Z Customer Service Center within 180 days of the disputed charge. You may need to contact multiple agencies that handle E-ZPass on different roadways or bridges, and each will likely have a different collection agency.

Related:

Can You Use Your E-ZPass in a Rental Car?
Dos and Don’ts for Dealing With Rental Car Tolls

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https://rentacar24.org/car-rental-news/what-takes-place-if-you-obtain-an-e-zpass-violation-in-a-rental-cars-and-truck/

Tuesday, September 20, 2022

Exactly how to Snag The Very Best Vehicle Rental Discounts

Last Updated on September 19, 2022 by Elizabeth

Photo credit: Shutterstock

Wondering where and when to find the best auto rental discounts? The best strategy is to book an auto rental, then track for price drops until you pick up the car.

Most renters save 30% simply by tracking their reservation.

How to Get the Best Auto Rental Discounts

There are generally two kinds of auto rental discounts. The first is offered by the rental car companies for meeting a specific criteria. For example, you might get a discount for booking for a certain length of time. Sometimes that’s a week or a weekend. You might get a discount if you are in a certain age group—like if you are a senior. There can also be auto rental discounts for certain locations. These discounts are typically available through coupon codes. If you apply the code to your rental reservation, you’ll get the discount.

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Another type of discount is a benefit through membership in an organization that has partnered with a rental car company. For instance, members of AAA, AARP and USAA can often land a discount simply by using the organization’s discount code. If you belong to discount shopping clubs like Costco or BJs, you can also get discounts at certain rental car firms.

To get the very best possible rate, empty your arsenal to find the biggest discounts for your specific rental needs. This homework can be time consuming if you do it on your own. But if you ask AutoSlash for a quote, we’ll factor in the best discounts and coupons from auto rental companies plus all of your eligible memberships when we search the Internet. Sometimes your membership will deliver the best rate, another time we may find a better deal with a coupon code, and sometimes we’ll be able to find a low rate through a combination of the two types of discounts.

But booking your car rental at a low rate is just step one.

How to Track Your Reservation for Price Drops

Like airfares and hotel rates, auto rental rates are always going up and down based on supply and demand. So it’s very possible to book a rental car on a Wednesday and find out that there was an even better rate available by the time you picked up the car on Saturday.

Let AutoSlash Track Your Auto Rental for Price Drops

It can be a major headache to watch for price drops from the time you make the reservation until the time you pick up your car. Happily, it takes only a few moments to ask AutoSlash to track your reservation. We’ll stay glued to fluctuations of rates and discounts and, if we find you a better deal before you pick up your rental car, we’ll shoot you an email so that you can rebook at the lower price. This service is 100% free.

Tracking your reservation is a no-brainer, since AutoSlash customers save an average of 30 percent on rates simply by asking us to track for price drops.

Getting the best rate on an auto rental is a two-step process: Book a reservation using the best discounts available on the Internet and then track your reservation for price drops.

Related:

This Clever Car Rental Hack Can Drop Your Price in a Snap

The post How to Snag The Best Auto Rental Discounts appeared first on AutoSlash.

https://rentacar24.org/car-rental-news/exactly-how-to-snag-the-very-best-vehicle-rental-discounts/

Monday, September 19, 2022

Daniel K. Inouye Honolulu Airport Terminal (HNL) Automobile Rental Overview

Last Updated on September 16, 2022 by Kristin

Photo credit: Shutterstock

Need a Honolulu airport car rental? Daniel K. Inouye International Airport (HNL) is the main gateway to Honolulu and to the Hawaiian island of Oahu. One of the 30 busiest airports in the United States, the airport is located three miles northwest of downtown Honolulu.

Daniel K. Inouye International Airport is divided into three terminals. A and B gates are located in Terminal 1, while C, D, E, F and G gates are in Terminal 2. In addition, the smaller Terminal 3 is used for inter-island flights within Hawaii. Passengers can walk or use shuttle buses to get from one terminal to another.

Rental Cars at HNL Airport

On-site rental cars at Daniel K. Inouye International Airport (HNL) are located inside the Terminal 2 parking garage on the ground level. From baggage claim, walk or take a shuttle to the Terminal 2 parking garage just across from the airport’s main ticketing lobby beyond the pickup and dropoff area.

Note that while Enterprise is technically located on-airport, the office is actually located on Aolele St. away from the main terminals, and requires a short shuttle ride to get there. From baggage claim, follow the signs to the shuttle pick up area just outside on the center median with the blue and white striped curb. The Enterprise shuttles run every 7-10 minutes.

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There are six on-site rental car companies at the airport:

Avis (808) 834-5536

Preferred Services: Avis Preferred
Return Location: 300 Rodgers Blvd., Honolulu. Put the address in your GPS. After you enter the airport campus, then look for yellow signs to the rental car return area.
Location Hours: Location is open daily 4:30 am-10 pm. After-hour returns are not available.

Budget 808-836-1700

Preferred Services: Proceed to the Fastbreak booth in the Budget parking deck. Locate your name on the display and proceed to the area listed, from which any car may be chosen. Choose your vehicle, proceed to the exit booth, present your driver’s license to Budget agent.
Return Location: 300 Rodgers Blvd., Honolulu. Put the address in your GPS. After you enter the airport campus, then look for yellow signs to the rental car return area.
Location Hours: Location is open daily 4:30 am-10 pm. After-hour returns are not available.

Enterprise (844) 913-0737

Available Services: Self-service kiosks
Return Location: 3255 Aolele St., Honolulu. Put the address in your car’s GPS. Note that Enterprise is not located with the other on-airport car rental companies. Instead, you’ll find Enterprise at the intersection of Aolele Street and Aolewa Place. A shuttle bus will take you to your airport terminal.
Location Hours: Location is open daily 7 am -7 pm. For after-hours returns, place keys in drop box located in front of return lane under National sign. (Enterprise and National are sister brands, owned by the same company.)

Hertz: (808) 837-7100

Preferred Services: Gold Counter and Prestige Service available.
Return Location: 300 Rodgers Blvd., Honolulu. Put the address in your GPS. After you enter the airport campus, then look for yellow signs to the rental car return area.
Location Hours: Location is open daily 6 am-10 pm. After-hour returns are available.

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National (844) 913-0738

Preferred Services: Drop & Go is available.
Return Location: 300 Rodgers Blvd., Honolulu. Put the address in your GPS. After you enter the airport campus, then look for yellow signs to the rental car return area.
Location Hours: Location is open daily 7 am-9 pm. After-hour returns are available.

Sixt Rent a Car (888) 749-8227

Return Location: 300 Rodgers Blvd., Honolulu. Put the address in your GPS. After you enter the airport campus, then look for yellow signs to the rental car return area.
Location Hours: Location is open daily 9 am-5 pm. After-hour returns are available.

Off-Airport Rental Cars at HNL

Several other rental car brands have locations near Honolulu’s airport, including Alamo Rent a Car, Dollar Car Rental and Thrifty Car Rental.

Car rental shuttles stop in designated areas along the center median on the ground level outside of baggage claim areas.

Note: AutoSlash may receive compensation on purchases made from chosen links.

Related:

The Best Hotels in Oahu
Why are Hawaii Car Rentals So Expensive?
Here’s How to Beat a Pricey Airport Car Rental Rate

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This Clever Vehicle Rental Hack Can Drop Your Price in a Snap

Last Updated on September 18, 2022 by Jonathan

Photo credit: Shutterstock

Looking for an easy way to slash your car rental price? After booking tens of thousands of car rentals, we have discovered a striking pattern that can potentially lower your price in an instant. The next time you book a trip, try this clever car rental hack.

The Half-Hour Hack

Instead of automatically booking your pickup time to be on the hour — say, 9 a.m. or 1 p.m. or 6 p.m. — ask for a second quote for the half hour before or after your original time — 9:30 a.m. or 1:30 p.m. or 6:30 p.m.

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Skeptical that this car rental hack can work? Let’s look at a few examples. We ran a quote for a weeklong minivan rental at Salt Lake City International Airport (SLC), picking up and returning at noon. In this particular case, Alamo and Payless tied for the cheapest of the major car rental brands, delivering a price of $525. Then ran the same quote request at the same airport, for the same car at the same time, but bumped back the pickup and return time to 12:30 p.m. Alamo’s price dropped to $470, while Payless and Enterprise came in at $525. The upshot: If you booked with Alamo, you’d save 10% without breaking a sweat.

For a recent quote at San Francisco International Airport (SFO), we saw a whopping $143 difference in National’s price simply by shifting the pickup and return time by 30 minutes.

Why the Half-Hour Hack Works

These price drops are not a coincidence. Certain car rental brands often price their rentals lower on the half hour than on the hour. Why is this? It has to do with pricing algorithms, automated rate shopping, and catching your competitor unaware to swing more of the business in your direction.

In short, the rental companies are re-shopping each other’s rates constantly and adjusting their pricing to try to get a leg up on the competition. These companies know that some portion of customers will choose to pick up and/or drop off on the half-hour, and in those cases, by offering lower prices, they will win more of business.

Let AutoSlash Track Your Car Rental for Price Drops

Think of car rental pricing like a water spigot. If you are the lowest-priced option in the market, then the spigot is on and reservations are flowing. As soon as one of your competitors undercuts your pricing, even by a small amount, the spigot turns trickles off and the reservations stop flowing. A lot of customers will always choose the lowest-priced option, so there is a lot of wisdom to this strategy.

Is this a geeky hack? Sure, and it’s also the easiest and simplest hack hiding in plain sight. In some cases, you’ll get a significantly better deal.

So the next time you need a rental car, ask us for two quotes — one on the hour and one on the half hour. It won’t cost you a dime to put in the extra quote request and you might just save a bundle.

Related:

3 Ways to Minimize a Cheap Weekend Car Rental
Car Rental Coupons and Discounts

The post This Clever Car Rental Hack Can Drop Your Price in a Snap appeared first on AutoSlash.

https://rentacar24.org/car-rental-news/this-clever-vehicle-rental-hack-can-drop-your-price-in-a-snap/

Saturday, September 17, 2022

Just How to Discover Affordable Parking in New Orleans

Last Updated on September 16, 2022 by Kristin

When it comes to charm and charisma, few cities can hold a candle to New Orleans. But if you’re exploring the Big Easy in a rental car, finding cheap parking in New Orleans can be a big headache. Here’s how to find inexpensive parking without breaking a sweat.

New Orleans Street Parking: Know Before You Go

Metered parking is not only abundant in New Orleans but many meters are amazingly high-tech—solar-powered with touchscreen menus that feature instructions in several languages.

Parking is free on Sundays, and otherwise enforced Monday-Saturday 8 a.m-7 p.m..

Metered parking costs $3 per hour in the French Quarter, Marigny Central Business District and the Warehouse District. In other neighborhoods, metered parking costs $2 per hour. If you’ve got a handicap sticker, you can park at meters up to three hours for free.

Meters accept cash as well as credit cards. But don’t forget to pay the meter. Parking tickets cost $30.

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In the busiest districts, such as the French Quarter, parking lots and garages are the best option. Going shopping? Several downtown department stores offer Park-N-Shop lots with free or discounted parking. You need to make a purchase to get validated parking, so be sure to get your parking stamp, pass or receipt.

Be forewarned: For a city with such a footloose and fancy free reputation, New Orleans has a lot of ways you can end up with a parking violation, such as parking near railroad crossings, on main streets during rush hour and—perhaps something you’re not used to—parking near parade routes within two hours of the event. Always read the signs.

Also, some areas have restrictions on how long you can park without a residential parking permit. Check out the city’s 17 residential parking permit zones.

The Best Websites and Apps for Cheap New Orleans Parking

Several resources can help you find cheap parking in garages and lots. Costs can vary wildly depending on the location and garage. Three hours of discounted parking can cost anywhere from $3 to $30.

Let AutoSlash Track Your Car Rental for Price Drops

SpotHero lets you find, reserve and pay for parking in advance. This mobile reservation service partners with a variety of companies at over 30 locations in New Orleans.

ParkMobile also allows users to see available spots and reserve parking. Reserving spots in garages in advance can save up to half on rates.

BestParking also allows drivers to find and reserve spots, and also connects to navigation apps.

Related:

The Best Hotels in New Orleans’ French Quarter
States with the Highest Car Rental Taxes and Fees

The post How to Find Cheap Parking in New Orleans appeared first on AutoSlash.

https://rentacar24.org/car-rental-news/just-how-to-discover-affordable-parking-in-new-orleans/

Friday, September 16, 2022

What To Find Out About Automobile Rental Credit History Checks?

Last Updated on September 16, 2022 by Elizabeth

Photo credit: Shutterstock

Renting a car with a debit card? While most major car rental companies will let you do it, you can expect to jump through an extra hoop or two. In many cases, you’ll go through a car rental credit check.

Car Rental Agencies and Credit Checks

There are many reasons why a car rental company would rather rent to someone with a credit card than a debit card, but in general it boils down to this: Debit cards pose a higher risk for them.

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Why a Car Rental Company Might Run a Credit Check

There’s no hard and fast rule about car rentals and credit checks. Car rental companies have different policies regarding debit cards to begin with, and car rental agencies that are franchises often have a lot of leeway to set their own rules. In a study by CreditCards.com, less than 10 percent of rental car agencies refused, under any circumstances, to rent to customers with a debit card. Most of the remaining 90 percent of agencies permitted customers to use a debit card, but required customers to meet at least one extra qualification requirement. About half put a large hold on the debit card as an additional deposit and 10 percent mandated a credit check.

In most cases, rental car agencies that run a credit check are not looking for a magic number on a credit score but rather red flags such as delinquent lines of credit opened within the past several years. In a nutshell, they are trying to mitigate risk.

Some Debit Cards are Better Than Others

The CreditCards.com study found that, typically, rental car companies want to see a debit card with either a Visa or MasterCard logo that is affiliated with a bank, savings and loan or credit union. But otherwise, the big takeaway was a lack of consistency; the study found some agencies were willing to rent to local residents using a debit card, but refused to rent to out-of-state customers, while others allow debit card usage from out-of-state residents, but not locals. Some required that a renter using a debit card to be 25 years old or older, others had a lower minimum age. And many rental car offices said they placed a hold for a larger deposit of up to $500 on a bigger car than a smaller car. Again, these are all steps the rental car agencies can take to lower their own risk.

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If you’ve only got a debit card, note that renting a car with a debit card recently got easier with sister budget chains Thrifty and Dollar, which now accept debit cards with virtually the same ease as credit cards for customers 20 years or older.

Related:

Why It’s Easier to Rent a Car with a Credit Card Than a Debit Card
Now It’s Much Easier to Rent a Car with a Debit Card

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https://rentacar24.org/car-rental-news/what-to-find-out-about-automobile-rental-credit-history-checks/