Credit Card Center Advertiser Disclosure†
04-14-2010 12:21 AM
American Express which i have a Platinum Charge Card, Delta Reserve, and New Premier Card is making me send in address verification when i applied for a Blue Card, ALL MY CRAs report my address i provided on the application and have lived here for 20+ years also DO THEY NOT REALIZE I HAVE HAD THE PRIOR ACCOUNTS WHICH ARE SENT TO MY ADDRESS FOR 10-5 Years now! What annoys the most is they initially asked for utility bill, bank statement, etc. I SENT A BANK STATEMENT and just received now they want a letter from my banker on official letter head??? IS THIS NOT JUST ANNOYING BUT BIZARRE?
04-14-2010 03:35 AM
Years ago, I had to send in letters from my accountant and my lawyer on letterhead. That was for a new account, but I did not have an existing relationship with them at the time.
After I got that card, their inquisitiveness into my business got to be a bit too much for me, so I dropped them. (And while I was at it, I also dropped a girlfriend who wanted to know where I was and what I was doing every single minute of the day...)
HENA210, have you spoken to a CSR at Amex about this, or are you just responding to possibly automated form letters? And have you checked your credit reports recently for any changed address issues?
This does seem somewhat bizarre...
(BTW, welcome to the forums!)
04-14-2010 04:22 AM
Yes its been thru the New Accounts Department.....no change of address....check my reports as does my accountant religiously...should i just take the ding on the report and not get it...i dont really need it...or might that set off a flag knowing they FR for anything
04-14-2010 04:27 AM
I think that's a personal choice that only you can make.
I would want to know why they are having trouble verifying an address they've been sending your bills to for years...that'd be my question.
04-14-2010 05:37 AM
Yeah that's annoying but I guess they wanted to protect consumer information from identity theft. They are doing they part to verify that you are the person who's applying for credit and not someone else in your name...
But it shouldn't be that hassles, really!!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.