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Phone number on cc application

Hope23
Valued Member

Phone number on cc application

Wen applying for a cc do I need to put in the application same phone number that is listed already on my credit report like a home address or I can put a second phone number that is not yet listed on report?
I don’t want to get the process complicated
With verification and all this stuff
And not to get instant approval
Message 1 of 9
8 REPLIES 8
doinit1
Valued Contributor

Re: Phone number on cc application


@Hope23 wrote:
Wen applying for a cc do I need to put in the application same phone number that is listed already on my credit report like a home address or I can put a second phone number that is not yet listed on report?
I don’t want to get the process complicated
With verification and all this stuff
And not to get instant approval

Not sure if putting a different phone number would "complicate" the process but I guess I was just wondering why not put the same number. Not looking for an answer.....just a thought.....Smiley Happy

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 2 of 9
Hope23
Valued Member

Re: Phone number on cc application

I have 2 numbers the number on the report
I have another family member using also is this a prob if 2 ppl use for same bank the number?
Message 3 of 9
Remedios
Moderator

Re: Phone number on cc application

Any info on CR that does not match app can lead to verification
With that said, you want to use the phone number you can be reached at, regardless.
Message 4 of 9
Hope23
Valued Member

Re: Phone number on cc application

If I add this number to the CB can I use it any of the 2 later on applications ? As long it’s all listed there on my report
Message 5 of 9
Remedios
Moderator

Re: Phone number on cc application

You cannot "add" anything to CRA, you can ask for incorrect info to be removed. Once the card starts reporting, the new phone number will be reported along with other info by the lender. 

 

The phone number on your app should be the one you have access to, as in your phone. 

It's best not to try manipulating info on app to help with approval,  especially phone number as some instances of verification require text message

 

Good luck with your app. 

Message 6 of 9
Meanmchine
Super Contributor

Re: Phone number on cc application


@Remedios wrote:

You cannot "add" anything to CRA, you can ask for incorrect info to be removed. Once the card starts reporting, the new phone number will be reported along with other info by the lender. 

 

The phone number on your app should be the one you have access to, as in your phone. 

It's best not to try manipulating info on app to help with approval,  especially phone number as some instances of verification require text message

 

Good luck with your app. 


Not quite accurate.  First off, EQ does not store contact phone numbers.  In order to have my phone number recorded, I had to add a Consumer statement in which I stated that I could be reached for verification purposes at xxx-xxx-xxxx. 


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 7 of 9
Inkco
Valued Member

Re: Phone number on cc application

Creditors  may deny you credit if "THEY" feel you have too many phone numbers associated to your credit reporting account.
This is odd, considering the huge amount of phone options people have these days.
I remember back in the day when many rental apartments had a shared party line, and people used the same line for incoming/out going phone calls.
People would answer to find out who was talking, if it was for them or a party and if not then kindly wish them well, and hang up.
Today it's often that people change their numbers, especially for those that use a landline, and cell phone, yet it appears creditors still look at the phone number use as being bad.

Khols $700.00, Lowes $5000.00, Gap $400.00, Belk $300.00, Ebay Mastercard $500.00, Credit One $950.00, Merrick Bank $1,600.00, Capital One $500.00, Walmart $3,500.00, Amazon $600.00, Paypal $1,500.00. VS $500.00, JCrew, Belk, Gap, New York &Company, JC Penney, Amazon, Credit One $600.00,
Message 8 of 9
doinit1
Valued Contributor

Re: Phone number on cc application

With all that has been contributed regarding this thread.....I believe keeping your information consistant is the real key.....hope this helps...Smiley Happy

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 9 of 9
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