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That all depends... Local small credit unions hire specific recovery companies to look for a specific vehicle..... Which means the dude is going to be looking for the vehicle and checking the VIN number.
These recovery agents still VIN check the vehicle. Local credit unions used to hire specific recovery companies. Now, they can pay a subscription fee to these services and have many recovery agents looking for their vehicles. Then they pay the bounty when the vehicle is found. This is a big money saver for lenders.