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You will need to contact garmin to do this. Their website is www.garmin.com when you get to there web page look at the top right hand corner where it says My garmin. From there set up a new account once you do this then contact their technical support either by phone or by email. From there they can instruct you what you need to do to reset the pin number.
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Once the pin number is entered the only way to change it or remove it, if you don't know it, is to send it back to garmin with proof of ownership. This is to stop thieves being able to use them. If you got a receipt from the pawnshop that should do as proof. If not it would be a good idea to go back and ask for one. Garmin contact details can be had at http://www.garmin.com/garmin/cms/site/us/support/supportcontact
Do this by pressing and holding the bottom right corner of the screen
while powering up the unit. Hold the corner of the screen until the
message window "Do you really want to erase all user data?" pops up and
proceed with your choice. Then reenter info
You actually have two problems; you won't just need the pin code, but will need to know at which location the pin code was set.
The system is designed to make stolen Nuvi's useless and cannot be bypassed without internal hardware changes which will cost more than replacing the unit. Unless you can obtain the pin code AND take the Nuvi to the location it was originally entered then it's totally unusable.
Chalk it down to experience and resell yours as being for spares or repairs.
I would do one of two things: ask the seller for the PIN or return it and get your money back. You cannot get past the PIN number without entering the correct PIN, taking the unit back to the location at which the PIN was entered or returning the unit to Garmin. However, Garmin requires proof of purchase in order to send the unit back to you.
Unfortunately, even if you perform master reset on Garmin GPS unit, it does not reset Garmin Lock security feature, which password-protect most Garmin electronic devices to deter theft. If you forget the PIN or password unlock code to unlock the Garmin unit, the best solution is to bring it to Garmin to get unlocked. “Secure Location” does not unlock a locked Garmin unit either as it’s only a temporary fix as when it’s turn on outside the security location, the device is locked again."
So unfortunately, there is only one option: You have to send your nüvi into the Garmin, who can unlock it. Remember original receipt.
The only options you have when it comes to a locked unit is to enter the correct PIN, go to the location where the PIN was set, or send the unit back to Garmin. There is no way to unlock a PIN locked unit without the correct PIN or location.