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Discussion in 'Credit Talk' started by upset, Mar 21, 2001.
Anyone had this experience?
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Have you seen your credit report lately? Many times your "actual" list of addresses will look quite a bit different, than what you think. Experian had 24 addresses listed for me, of which 3 were accurate. I think they are doing their job to prevent fraud. They also will use "411" to check your phone number. If for some reason they don't get your phone # for your name, they will ask for the bill.
Perhaps just a bug in their software I'd rather be safe than sorry. Our interest rates are high not only because some people default, but because of rampant fraud in the industry!
I pulled all three bureaus and the only address that they have for me is the one that I listed on the application. The telephone number could have been a problem because my number is unlisted. Do you think that would have prompted them to ask for address verification as well.
The rep said that pending receipt of the documents and provided that they are ok, my application would be approved. He said that if the documents were not ok, they would request originals. Why wouldn't they be ok?
Dunno. My gf had to fax the phone bill in, cause its in my name , they were happy, approved, thank you
Theres no reason they will not be okay dont worry, you got the card.
I had to do the same with Am/Ex - fax them my phone bill and another utility because they could not verify my information (my number is unlisted). I inquired with Am/Ex about this, and they said that because my phone is unlisted, they needed the information. I was approved after they received my fax.
Most credit card issuer now will call the client when application is received. They do this "address verification". In fact, they are calling to make sure an application was not submitted by someone else as a fraud and that they can send it to you at the right address.
They didn't do that a few years ago but they all do that now.
Do you think perhaps that on every X application they get, they perform some sort of verification on where you have to send in utility bill, phone bill, paystub, etc??? They obviously can't do this for everyone that applies....or can they? Kinda like out here in CA, the DMV verifies the insurance information on every X application just to keep people honest. Just a thought....
Nope, no verification call here--call approved online
I have NEVER been called by ANY bank to verify anything ever, since 1978...but I was declind by CITIBANK...
Seven years ago, Citibank called to verify the phone number and address for my first-ever credit card. It was a student card, so maybe they had a rule for student cards even back in 1993.
This is citibanks policy. Take it or leave it. When I was approved for the citibank card in Sept. I had recently moved and my phone number was not listed. They wanted me to sent in a phone bill etc. for verification. I simply called the phone co. and had my number listed in less than 24 hours and then had it unlisted again the next day. I called citibank after talking with operator who said it would be listed in a few hours and the citibank rep approved me over the phone after checking directory assistance. Citibank did not do this for the classic card but for the Gold card. It was the unlisted phone that prompted the verification. If you want the card, why not comply? Dont take it as an insult from Citi. Good Luck!
My phone is/has always been unlisted. They have never tried to verify--but I also have another account with them, I'm sure that's a factor.