topic Re: capital one requesting verification of socal # and mailing addy. i have a question about this in Credit Cards

capital one requesting verification of socal # and mailing addy. i have a question about this

Anonymous — Sun, 10 Jan 2010 15:37:05 GMT

i was happy with the secured cc i got from a local cu, but months after i was told that they report to all 3 agencies, i have concluded that after months of calling them, and them looking into it, that the cc will not me reporting on transunion. its a visa card, and unless i can bypass the bank and speak directly to someone in visa card services, i doubt ill ever get it figured out.

so i have no choice but to apply for another cc, which i did with capital one, and recieved a letter requesting validation of my social and mailing address.

has anyone else recieved this letter from capital one, and is that a sign of approval or just the next step before getting a denial letter?

my scores are low 600's with EQ tropping to 597 after the capital one inq. hopefully back up to low 600's after my overdraft credit line from the bank reports back to 0 next month from 300 of 500 this month.

any advice, greatly appreciated. im tired of trying, i dont really need the cc, i just need them showing on all 3 so i can get my scores back up from were they were a few years ago. i have no revolving on TU in over 2 years.

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

Anonymous — Sun, 10 Jan 2010 23:06:10 GMT

Why not comply with their request? To do otherwise is to waste three hard INQ's on an application that will not be approved.

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

Anonymous — Sun, 10 Jan 2010 23:16:12 GMT

thats why i was posting. im curious if anyone else has gotten this letter when applying, and does this mean that i am most likely already "approved" . dont want to waste a hard inq, but didnt want to send out more personal information just to be denied in the end.

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

Anonymous — Sun, 10 Jan 2010 23:23:04 GMT

You don't want to verify your address and SSN to a CC issuer you are app'ing credit with? Requests for additional information are common and not at all out of order. If you want to know whether you are going to be approved or not you'll have to comply with this very unobtrusive request. Otherwise you will be wasting three hard INQ's. Yes, CapOne inflicts a hard INQ on each CRB upon their applicants.

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

keith021 — Mon, 11 Jan 2010 04:55:54 GMT

@Anonymous wrote:
i was happy with the secured cc i got from a local cu, but months after i was told that they report to all 3 agencies, i have concluded that after months of calling them, and them looking into it, that the cc will not me reporting on transunion. its a visa card, and unless i can bypass the bank and speak directly to someone in visa card services, i doubt ill ever get it figured out.
so i have no choice but to apply for another cc, which i did with capital one, and recieved a letter requesting validation of my social and mailing address.
has anyone else recieved this letter from capital one, and is that a sign of approval or just the next step before getting a denial letter?
my scores are low 600's with EQ tropping to 597 after the capital one inq. hopefully back up to low 600's after my overdraft credit line from the bank reports back to 0 next month from 300 of 500 this month.
any advice, greatly appreciated. im tired of trying, i dont really need the cc, i just need them showing on all 3 so i can get my scores back up from were they were a few years ago. i have no revolving on TU in over 2 years.

Do you have fraud alerts on any of your credit files? Most applications with such require additional verification before an approval can be made. I have fraud alerts on all of my credit files, and when I apply for new credit; my applications require additional verification such as a copy of my driver’s license, proof of address, SSN, etc...

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

Pushto700 — Mon, 26 Apr 2010 19:25:55 GMT

@Anonymous wrote:
i was happy with the secured cc i got from a local cu, but months after i was told that they report to all 3 agencies, i have concluded that after months of calling them, and them looking into it, that the cc will not me reporting on transunion. its a visa card, and unless i can bypass the bank and speak directly to someone in visa card services, i doubt ill ever get it figured out.
so i have no choice but to apply for another cc, which i did with capital one, and recieved a letter requesting validation of my social and mailing address.
has anyone else recieved this letter from capital one, and is that a sign of approval or just the next step before getting a denial letter?
my scores are low 600's with EQ tropping to 597 after the capital one inq. hopefully back up to low 600's after my overdraft credit line from the bank reports back to 0 next month from 300 of 500 this month.
any advice, greatly appreciated. im tired of trying, i dont really need the cc, i just need them showing on all 3 so i can get my scores back up from were they were a few years ago. i have no revolving on TU in over 2 years.

I had the same thing happen to me recently. 7-10 day message, I call in, they say that they were sending me a letter requesting verfication of my address and SSN. He said something about it being something with cA law?!?! Unsure what exactly that means. Had a similar thing happen to me with BBRZ-MC, and was approved after providing my home address. Uncertain of this is the same, so I would like answers as well to any experiences regardless of ramifications if you send it in or not....does any one have any experiences with this?

I would like to know as well, and I HAVE already provided my info via the fax provided throught the Account rep at the backdoor number. Very helpful individual.

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

jmack711 — Mon, 26 Apr 2010 19:28:11 GMT

I applied last week and they requested the same information. I faxed it over the next morning and I just got approved and should be getting the card any day now!

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

Pushto700 — Mon, 26 Apr 2010 19:37:09 GMT

Good...same deal here. Did they tell you what your CL was?

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

jmack711 — Mon, 26 Apr 2010 19:46:04 GMT

I just called the number listed for the backdoor and I heard that I was approved. I didn't speak to a rep to see what my CL will be.

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

Anonymous — Sun, 02 May 2010 19:33:13 GMT

I applied for the same thing and received the same letter. I do have fraud alerts on my credit files, which is why i suspect i have the letter. Mailing it off on monday.

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

Pushto700 — Thu, 06 May 2010 17:19:00 GMT

@Anonymous wrote:
I applied for the same thing and received the same letter. I do have fraud alerts on my credit files, which is why i suspect i have the letter. Mailing it off on monday.

Hey, have you found out the result of you mailing your information to Cap One yet? I had to submit my detail numerous times before they finally acknowledged it as recieved. I was told my apllication can now be processed fully and it could take up to 3 weeks to process. I don't know if that is just the "company line" way of stating be patient, as I have read on this board of much fast responses and processing times.

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

Anonymous — Thu, 06 May 2010 18:06:27 GMT

Not yet. I think I mailed it to them on Monday. It's Thursday now, so I'll give them another week, before I call them. I'll let you know what they say.

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

Pushto700 — Sat, 08 May 2010 17:00:47 GMT

Good thing. Found out I was approved today. 500 limit, credit steps program...increase of 500 after 5th statement.

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

hurley_21_07 — Thu, 17 Nov 2011 06:01:21 GMT

I applied for the CapOne Cash card today and got that message due to fraud alert. This is the only thread I could find on it.

Is this any kind of sign of approval? I have NO derogatories and 4yrs of history with CapOne card and others, 21% util, so I don't see why I won't get it. My questions, would they even bother unless they think you are worth it?

I just wanted some input while I wait for their answer. I will post results. Also, my fico scores are 700 across the board.

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

Anonymous — Thu, 17 Nov 2011 06:08:16 GMT

I think it's a better sign than then flat out denying you, at least. But I think the problem is that if you have your reports frozen, they can't pull them so they can't even start to process your application. After all, they like to pull all 3 even for the secured card.

I just went through the hassle of dealing with their fraud department.. so all I can wish you is good luck. I hope they accept your papers without having to fax them in 3 times and hassle them more than half a dozen times on the phone.

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

Anonymous — Thu, 17 Nov 2011 06:37:18 GMT

I applied for this exact card. The verification letter is part of the application process. After I submitted the info I received my card 2 weeks later.

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

bichonmom — Thu, 17 Nov 2011 09:01:13 GMT

It's interesting, but I had to do this with Navy Fed a couple of weeks ago. I spoke at length with their Visa/CC dept. and never got a straight answer about *why* they were requesting this info. Plus, they made me go into a branch and would *not* accept the info via fax. The best idea I could get from them was because my credit file was thin, they were confirming my I.D. Since you only have the one secured card, it could the the same issue with you as well. Maybe they want to verify your info since you only have one secured card -- and it's not even reporting on all 3 CRB, which we know Cap One checks all 3.

Likelihood is that they would not be asking for this info if they were going to deny you. But it is never a sure thing with them, either.

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

hurley_21_07 — Thu, 17 Nov 2011 09:44:10 GMT

Thanks for the replies everyone.

I do not have any frozen reports, just a temporary fraud alert on TU.

Also, I do have 8 open revolving accounts, all unsecured. Amex, Discover, Cap1(2), Walmart, Dell, US Bank, and an Orchard Bank MC. The C1 card that is 4yrs old is what I was referring to.

I will fax the info in the morning and see what happens I suppose!

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

hurley_21_07 — Thu, 17 Nov 2011 16:11:41 GMT

Faxed documents this morning. CSR said I should wait 24hrs or so to check on the status of the fax receipt.

Re: capital one requesting verification of socal # and mailing addy. i have a question about this

Anonymous — Thu, 17 Nov 2011 18:52:59 GMT

@hurley_21_07 wrote:
Faxed documents this morning. CSR said I should wait 24hrs or so to check on the status of the fax receipt.

And if you have my luck, in 24 hours they'll tell you to wait another 48-72 hours. And after that, they'll tell you you need to re-fax the papers in since they didn't get them And repeat that three times.

At least that was my recent experience with faxing them my ID/social security card.