Proof of Address - Utility Bill

[j615]

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.

[titanium_bbx]

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.

[Anonymous]

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.

[myjourney]

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 

[UncleB]

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. 

[lindsaydruart]

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@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 

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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.

[Anonymous]

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

[Anonymous]

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@lindsaydruart wrote:

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@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 

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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.

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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..

[lindsaydruart]

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.

[Anonymous]

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@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.

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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.