topic Re: How do CCCs verify applicants' addresses in Credit Cards

How do CCCs verify applicants' addresses

pdxuser — Mon, 27 Oct 2008 00:33:30 GMT

Apparently it's pretty common for CC applicants to have to verify their address. How do you do this?

Re: How do CCCs verify applicants' addresses

Comp5569 — Mon, 27 Oct 2008 00:38:27 GMT

Last week I applied for a Citi card, and was asked to verify my address with a copy of a utility bill. However I live with family friends and just moved here, so I have no bills. I called them, but they didnt understand for some reason. So I faxed them a copy of my credit card bill, bank statement and a pay stub all with my address information on it and called the next day. I guess it worked cause the card went through and was approved.

Hope this helps

Re: How do CCCs verify applicants' addresses

Creditaddict — Mon, 27 Oct 2008 00:48:32 GMT

@Comp5569 wrote:
Last week I applied for a Citi card, and was asked to verify my address with a copy of a utility bill. However I live with family friends and just moved here, so I have no bills. I called them, but they didnt understand for some reason. So I faxed them a copy of my credit card bill, bank statement and a pay stub all with my address information on it and called the next day. I guess it worked cause the card went through and was approved.

Hope this helps

Did citi pull EQ? which card did you apply for?

I would love to get a citi card again

Re: How do CCCs verify applicants' addresses

pdxuser — Mon, 27 Oct 2008 00:53:25 GMT

Hm, I wonder if just a bank statement would work? I'm self-employed, recently moved, my name's not on the bills, I have no CCs yet, and I even have e-statements from my bank, but I can switch that to paper so I have something with my name and address on it.

Re: How do CCCs verify applicants' addresses

Creditaddict — Mon, 27 Oct 2008 00:55:44 GMT

you can usually avoid having to verify address if you just make sure your credit reports are up to date with your current address.

if the address you put on application does not match your credit report, that's when banks want prove of who you are and where you live, etc.

Re: How do CCCs verify applicants' addresses

pdxuser — Mon, 27 Oct 2008 01:00:20 GMT

My current address is on the credit report, but it's listed as my old address. That's because I asked for my free annual credit reports to be mailed to a different address, one I never lived at. Do you think I could ask the credit bureaus to remove that address? How would I go about that?

Re: How do CCCs verify applicants' addresses

Comp5569 — Mon, 27 Oct 2008 01:34:56 GMT

@Creditaddict wrote:

Did citi pull EQ? which card did you apply for?

I would love to get a citi card again

Yeah, they pulled EQ. I applied for the Citi Upromise card, which I've now read is discontinued and will be switched to BOA. Too bad I'm blacklisted at BOA right now, and will have to transfer it to another Citi card. I got a $3600 limit too, I was actually really suprised. However I have a student loan through Citi, which has never been late and might have helped my cause?

@pdxuser wrote:
Hm, I wonder if just a bank statement would work? I'm self-employed, recently moved, my name's not on the bills, I have no CCs yet, and I even have e-statements from my bank, but I can switch that to paper so I have something with my name and address on it.

Well, what they asked for was a phone bill. The phones here are payed by the condo association that I live in, so no phone bill. If you have a phone bill, you could call and tell them the name of the person on the phone bill I guess and send that in. I actually didnt even send in my bank statement, just copied the front part that had my address and the Bank of America logo, along with my Cap 1 statement (also just the front) and my paystub (also just the front). I got the fax number and faxed it over. I just moved to Florida from New York, which might have been the reason. Ive since changed the address on my credit cards to reflect my Florida address, but it has not posted on my CR yet. I would switch your bank statement to come to your house, or just find something with your name and address, it couldnt hurt.

Re: How do CCCs verify applicants' addresses

TangMeister — Mon, 27 Oct 2008 03:32:48 GMT

@Creditaddict wrote:
you can usually avoid having to verify address if you just make sure your credit reports are up to date with your current address.
if the address you put on application does not match your credit report, that's when banks want prove of who you are and where you live, etc.

+1. It's an easy fix most of the time, too.

Re: How do CCCs verify applicants' addresses

Anonymous — Mon, 27 Oct 2008 15:15:07 GMT

Well, we had that addy-goof happen on our CRs, too. EQ and EX both thought that our previous addy was our current addy (and had our current addy as a "previous" addy). Also, DH, because of his cruddy handwriting (HE can't even read it most days!!), his middle initial was wrong on some CR entries, too.

It all somehow managed to "fix" itself, though, when we sent the Pre-HIPAA dispute CMRRR to all three CRAs. Within a month, the addies were fixed and his CRs reflected the correct middle initial! Go figger.

I dunno if that's how it's S'POSED to work ... I just know that it did!!

Re: How do CCCs verify applicants' addresses

Miner — Mon, 27 Oct 2008 17:54:54 GMT

Having a previous address showing current and the current address showing as past isn't a big deal since it often gets swapped around. The fact that your current address is on your reports is usually good enough to satisfy most creditors even if it says past.

Message Edited by Miner on 10-27-2008 10:54 AM

Re: How do CCCs verify applicants' addresses

fused — Mon, 27 Oct 2008 21:28:40 GMT

Miner wrote:
Having a previous address showing current and the current address showing as past isn't a big deal since it often gets swapped around. The fact that your current address is on your reports is usually good enough to satisfy most creditors even if it says past.
Message Edited by Miner on 10-27-2008 10:54 AM

This has not been my experience. Discover did two hard pulls on me because my current addy on EX was a former address while TU was accurately reporting my current addy. Discover told me they pulled EX first but the addy on my app did match, so they confirmed my addy when they pulled TU.