topic Re: Proof of Address - Utility Bill in Credit Card Applications

Proof of Address - Utility Bill

Anonymous — Sun, 13 Mar 2016 23:22:54 GMT

I need to supply a utility bill for proof of address. They will not accept other credit card statements/bank statements. I do not have any utility bills, or any other official documents (insurance, ID, etc.) that displays the address. Does anybody know of a service (that can be cancelled easily) that I can sign up for online thatt will create a utility arrangement and a utility bill? Thanks.

Re: Proof of Address - Utility Bill

Anonymous — Sun, 13 Mar 2016 23:46:16 GMT

Who do you live with...?

Re: Proof of Address - Utility Bill

Anonymous — Sun, 13 Mar 2016 23:47:27 GMT

Myself.

Re: Proof of Address - Utility Bill

stellar — Sun, 13 Mar 2016 23:48:13 GMT

What company is asking for proof? That info might help us to help you.

What about a cell phone bill? Or change the address on your ID/DL.

Re: Proof of Address - Utility Bill

Anonymous — Sun, 13 Mar 2016 23:49:22 GMT

Chase. They will not accept a cellphone bill. For a number of reasons, I cannot get an ID with the address on it.

Re: Proof of Address - Utility Bill

stellar — Sun, 13 Mar 2016 23:59:55 GMT

Maybe they will accept the utility bill copy from the owner, with a signed notarized letter from owner saying you live there?

Are they asking bc your application address does not match the one on your credit report? Bc you can change the address with your creditors and have it updated on your credit report.

Re: Proof of Address - Utility Bill

lindsaydruart — Mon, 14 Mar 2016 04:30:04 GMT

A lease usually trumps a utility bill. Ask if they can do that.

Re: Proof of Address - Utility Bill

Anonymous — Mon, 14 Mar 2016 21:10:55 GMT

I was asking Chase before on what is valid for the address verification. If you do rent a place for living. A lease will work better than a utility bill. But the lease has to be in a formal and printed fashion. I gave a hand-written lease, but they told me to print a better version. I don't think there is something you can easily get as a replacement of utility bill. Hope this helps.

Re: Proof of Address - Utility Bill

lindsaydruart — Mon, 14 Mar 2016 21:25:50 GMT

There are thousands of lease templates out there. I used one before my husband became my husband for proof of address. He just signed it like a regular lease.

Re: Proof of Address - Utility Bill

Anonymous — Mon, 14 Mar 2016 23:31:53 GMT

@Anonymous wrote:
Chase. They will not accept a cellphone bill. For a number of reasons, I cannot get an ID with the address on it.

Your best course of action is to go into a Chase branch if there is any close to you and tell them you don't have a utillity bill. Believe it or not, these banks have a strange way of checking these documents.

If you don't have it, go in or call and speak with a supervisor. There has to be other methods of verifying you...

Re: Proof of Address - Utility Bill

j615 — Tue, 15 Mar 2016 00:19:59 GMT

I've used an internet bill (e.g., Comcast, AT&T U-verse) for verification when I opened a Savings account at Ally Bank before. Unless this already crossed your mind and you don't have one under your name, or if Chase doesn't accept it.

Re: Proof of Address - Utility Bill

titanium_bbx — Tue, 15 Mar 2016 02:42:32 GMT

I used DMV documents to establish permanent residency (registration has a "permanent resident" box on it, also title). And car insurance bills. And an old license with my same address.

Re: Proof of Address - Utility Bill

Anonymous — Tue, 15 Mar 2016 04:37:26 GMT

Look you live with 'somebody' right?

You and that somebody can execute an Office Depot lease in about 2 minutes.....

Whether or not that person 'enforces' said "lease" is between you and that 'somebody'

but as long as a lease exist establishing that you 'live' there you...live there, end of discussion.

There are millions of ppl who live in other people's homes, small apartments owned by a guy name Ralph

that uses Office Depot leases ( that's why they sell them), so yours wouldn't be the 1st they've seen.

Re: Proof of Address - Utility Bill

myjourney — Tue, 15 Mar 2016 05:23:01 GMT

Suggestions that someone should go out and fake/create their own lease document weather it's there actual address or not and then submit that phony document to a lender for approval of an account would be considered fraud to obtain credit IMHO

Re: Proof of Address - Utility Bill

UncleB — Tue, 15 Mar 2016 12:58:14 GMT

In my state, the new 'enhanced' driver's licenses are still optional (for now), but if you want one you have to provide two documents to show proof of address.

In my case, I re-registered to vote (a one-page form, snail-mailed to the county office), which caused the state to send out a new voter identification card (complete with my full name, home address, and polling place). The state DMV will accept this as one of the two proof of address documents, and I suspect a bank would as well. The best part is that it's free, and doesn't require signing up for a service you don't want.

Re: Proof of Address - Utility Bill

lindsaydruart — Tue, 15 Mar 2016 13:02:48 GMT

@myjourney wrote:
Suggestions that someone should go out and fake/create their own lease document weather it's there actual address or not and then submit that phony document to a lender for approval of an account would be considered fraud to obtain credit IMHO

Anytime you live with someone that you are not married to, you SHOULD have a lease, whether the lease is enforced or not because that establishes residence. That doesn't make the document fake. It's just not necessarily enforced. Without a lease, your residency can be up for debate and if that person wants to put you out of the house, they can, without legally evicting you, which would suck if you had no where else to go. The lease, enforced or not, is a document for legal protection, even outside of a lender.

Re: Proof of Address - Utility Bill

Anonymous — Tue, 15 Mar 2016 15:42:27 GMT

This is one reason that many lenders do not accept a lease or a pseudo lease as proof of residency.

Re: Proof of Address - Utility Bill

Anonymous — Tue, 15 Mar 2016 16:47:37 GMT

@lindsaydruart wrote:
@myjourney wrote:
Suggestions that someone should go out and fake/create their own lease document weather it's there actual address or not and then submit that phony document to a lender for approval of an account would be considered fraud to obtain credit IMHO
Anytime you live with someone that you are not married to, you SHOULD have a lease, whether the lease is enforced or not because that establishes residence. That doesn't make the document fake. It's just not necessarily enforced. Without a lease, your residency can be up for debate and if that person wants to put you out of the house, they can, without legally evicting you, which would suck if you had no where else to go. The lease, enforced or not, is a document for legal protection, even outside of a lender.

I disagree on so many levels. But before we even begin the debate, can you share / point us toward a credible source that backs this argument you are putting forth? I am curious to read your source..

Re: Proof of Address - Utility Bill

lindsaydruart — Tue, 15 Mar 2016 16:33:14 GMT

In my county, and most cities/counties in the south, if you do not establish residency (and this can be done by lease, mail, driver's license, and a few other means), and the owner or person registered on the lease wants to put you out, they legally can and you can be deemed trespassing. However, if you have a lease or established residency, they have to evict you via the same means as a landlord would have to do because they have established domicle. You can contact your local law enforcement for how they handle this. I'm not providing a source specifically because there just are too many and each jurisdiction may have slightly differing parameters.

Re: Proof of Address - Utility Bill

Anonymous — Tue, 15 Mar 2016 16:55:48 GMT

@lindsaydruart wrote:
In my county, and most cities/counties in the south, if you do not establish residency (and this can be done by lease, mail, driver's license, and a few other means), and the owner or person registered on the lease wants to put you out, they legally can and you can be deemed trespassing. However, if you have a lease or established residency, they have to evict you via the same means as a landlord would have to do because they have established domicle. You can contact your local law enforcement for how they handle this. I'm not providing a source specifically because there just are too many and each jurisdiction may have slightly differing parameters.

Ok. But thats in your county and some parts in the south which is not applicable to the entire country and especially to lending institutions. So don't you think anyone just going on the internet to get a lease template, filling it and giving it to a lender for verification of residency is stretching the truth a bit?

There is a difference between a utility bill from a company and a lease template gotten on line by an applicant for verification. The former is legitimate whilst the latter isn't.