I want to see how well citi screens their credit applications

Can you say F-R-A-U-D? I don't think anyone on this forum would even suggest doing this, even for laughs.

 

About 15 years ago I managed to get a credit card for my pet goat. Since the credit application didn't list a question for species I saw no reason to volunteer the information. The earnings were what I got to rent to goat out each month.

 

I won't even touch that one!

 

I had a Rent-a-Goat business. Racehorses run better when they have a goat as a companion in their paddock at the track. I rented goats for that purpose.

 

I understand, but I just couldn't leave that straight alone!

 

Who signed the application?

 

There was no place for a signature.

 

I'm with Biz on this one. It's fraud, and I certainly wouldn't want to try it.

 

An application for the extention of credit, and there was no place for a signature?

Second, was the back of the credit card signed and, if so, by whom? (the goat?)

Third, when the card was used for a transaction at a merchant, who signed the sales/transaction receipt? (again, the goat)?

 

As I do not advocate fraud by no means. A credit profile is created by a company submitting a SS# to a CRA and they run a background check to see if they have any info on that number you give if they don't they start with the information the company submtitted. To my knowledge they have no actual ties to the SSA so the number you give should just be an identification number for that file (NO CRA every called my home or wrote a letter asking to verify they have on me, they take what any company says as truth... hmmm...If I had a company could i say I owe the company I own a million dollars over 60 yrs and report it paid in full who will check). Your SSN is a retirement benefits number. As there is no SS for anyone not currently 65 or older, I often wonder what is the point of such a thing. A better question what if you are wealthy or well to do and have no need of SS then what do you do? force them to use it? New citizens are given a number like SSN but they are not going to get any SS, so what does their number mean?

 

Quite frankly, I have no idea what you are saying, what point you are trying to make, or what question you are asking. Can you try again, this time in English?

Again, not sure what you are trying to say. It almost appears as if you are suggesting that it is OK to provide materially false information on an application for credit, and you're basing this on your opinion that "who cares, they'll never check anyways". I hate to be the one to break it to you, but not only is purposely misleading a lender with inaccurate information to obtain a loan grounds for denial, it's also criminal (fraudulent) in nature.

It is also used as your taxpayer identification number, and is used by the banking industry to report various types of financial activities to the government. It's not *just* for retirement benefits.

It's your taxpayer ID (used to maintain and ensure that you're paying your income taxes) and it's used by the banking industry (see above). Further, if you are under 65 and working, it's used to keep track of your income and your earnings so that they can determine what retirement benefits you are entitled to when you DO retire. In case you didn't know it, SS benefits are not the same (dollar) amount for every retiree. Your benefits are based on many things, including how long you worked, how much you earned, and at what age you retire. So you HAVE to have a SSN in order to work/report earnings.

If you are wealthy and you don't expect to need SS benefits when you retire, it still doesn't mean that you don't need an SS number.

1. You still have to pay income taxes, and your taxpayer ID is your SSN.
2. You still have to use your SSN/TID to use the banking system, because various transactions and activities must be reported to the government.
3. You still pay social security taxes INTO the system, and the governent has to keep track of what you HAVE paid in, both to make sure you don't OVER pay (there's a limit) and ...
4. Just because you are wealthy doesn't mean you are not entitled to the SS benefits that you HAD to pay into over your working career. You earned money, so you paid into the SS system, which means REGARDLESS of how much wealth you have accumulated, you are ENTITLED to your benefits.

Again, there are things OTHER than simply receiving SS benefits that you need a SSN for.

(Do I hear an echo in here?) Your SSN isn't used ONLY for "receiving" SSN benefits.

 

And now, by law, everyone gets an SSN when they are born. So how can you say no one under 65 has one?

In fact, I believe parents have to get SSNs for their children to be able to claim the exemption. Which to me says EVERY person LEGALLY in this country should have an SSN.

 

I think the OP was saying that Social Security will not be "available" for anyone 65 or under, so this is contrary to the thesis of the SS number.

This is not a correct statement in itself, but I'm just noting that the poster stated "SS for anyone 65 and under", not "SS#".

But a SS# is what it is now, a unique identification number for each person in the U.S.. Yes it has outgrown its original intent, but there is no harm in that, only benefit.

 

Actually, the SS# is given at birth now, it's all part of the "birth package". The number is held at birth, the card comes in just a few weeks!

 

Actually, I think the OP was trying to say that "... there are no SS benefits being paid out to anybody under 65 ..." I don't think he was saying that those under 65 don't have a SS number.

 

thanks jshimmer, that is what i was trying to say that there is no social security beney's for anyone under the age of 65. As far as the whole tax payer Id thing, please consult your IRC to find out their definition of income and who is a tax payer and such. I was unaware of the social security administration having anything to do with being a Tax payer I.D.#. Not everyone by law gets a SSN number either. Only if you are born in a public hospital or it is performed by a card carrying doc ( state license ). Mormons have no SSN and no native worth their salt has one either. IMHO if you had a private doctor come to your house to perform your birth it is recorded in your bible, then you have done all that is necessary in the eyes of your creator to record the birth. I don't agree with the whole tax till you die thing the guberment has told one too many lies to have my trust. Alas I am hijacking the thread with my personal gibberish and for that I say my bad. I shalt not post outside of the thread topic again.

 

There are benefits paid to those under 65. First of all, you can draw reduced benefits at 62. You can get SS benefits if you're permanently disabled, if your spouse or parent has died. So that is another completely untrue statement.

I personally know plenty of Mormons that have SSNs. Most of them, in fact.

If you want to play the game of taxes being illegal, don't own anything in your name or take a job for anything other than cash under the table.