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Discussion in 'Credit Talk' started by help me, Jan 5, 2001.
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ONE Word: Fraud. They want to be able to find you.
I read in a post a long time ago that to use your P.O. box you have to use a real address first and then switch it after you get the card. Is the P.O. box listed on your credit report?
Yes that is the only address on the credit report
If that address is the only address on your credit reports...you should be fine.
If you are denied because of the address, as the only reason...tell them to look at the credit report, and you can give them your street address, but you have to tell them NO MAIL, EXCEPT TO PO BOX!!!
RE: I did it
I applied to my secured Capital one using my PO Box number only and was approved a year ago, also was for several dept stores (Online)
Someone got around this....
I remember a post a while about about using P.O. boxes, etc. and someone mention something about the post office reads addresses from the bottom up, so if you list your name, address, p.o. box, then city and zip that it will go to your p.o. box. I could be wrong.....try doing a search or maybe someone else can remember????
If this is true, then usually companies allow 4 lines for your address. Try doing this and see what happens.
RE: Someone got around this...
I think J.Edgar has the answer to this topic.
He mention about FUSA senting him convenience
checks constantly after account was closed.
The post seem to be three or four months ago.
Try this. It works for me.
878 Elm Street
P O Box 99
I live at 878 Elm but I have no mail box because motorists always knock it over. The post does read from the bottom up so all my mail goes to P O Box. By writing my address as I do, creditors get both my residential address and P O Box. Make sure you use the zip code for the P O Box if it's different than residence.
You could just get a mailboxes etc p.o.box mailing address, they are stealthed to look like street addresses/condo/apartments.
1234 mainst Suite #110
1234 main st #110
Technically it is a box address, but they use that arrangement instead of the usps po. box scheme.
I would just call and apply. Maybe the companies you have applied for do not have a system that can read the differences so it just doesn't allow them. Also I would request an updated copy of each of your bureaus to verify that the PO Box is showing because I have seen some pretty old addresses show up. I would check all three majors just to be sure.
RE: Try this
One way to get around that is to use Mailbox etc if you have one. They will rent you one of their boxes which will give you a street address along with a 24 hour key access to your mailbox. It is probally cheaper in the long run then the post office box and it comes with a lot of bonuses. So check them out if you get a chance
RE: Try this
You may receive your mail at a PO box but you still must have an actual physical street address--dont' you? Most apps I've seen (non online ones at least) ask for street address and usually have a seperate line for mailing address.