Yeah we went through that, GM gave me all the incentives anyway, I think it was about $7k, mainly because I have bought 6 of them. I only drive them for 4-5 years and then it needs to be replaced. I forgot that I also had Lift Gates put on by the dealer, Included in that price.
I do not allow anyone to run my credit EVER, Identity theft is just like pregnancy, abstinence works every time it is tried, so I abstain from ALL electronic records requests and transactions.
You are wise. I cringe anytime someone asks for my SSN. I leave it blank. One of my kids wanted it the other day to co-sign for an apartment at college. I gave them my wife’s as no accounts are linked to her number.