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Verification if you can't prove

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Skye12329
Valued Contributor

Verification if you can't prove

Was wondering what happens if you cannot prove your verification(Either ID or Income or whatever) for a CC application? Do they just decline it or nothing?  I ask because my sister applied for Barclays and called. They want verification of so many things, and well it turns out she doesnt have her SSN card, our father has it locked up. (She doesn't live with him and says hes out of town) So she said she might just pass on Barclays for now. Shes not too worried about Inquiries since she is only 18 and thats her first one on TU. 

BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 12000 (6/23)
Sam's Club - 2500 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)
Message 1 of 10
9 REPLIES 9
Anonymous
Not applicable

Re: Verification if you can't prove

If you can't verify, they just deny the application.

Message 2 of 10
Skye12329
Valued Contributor

Re: Verification if you can't prove


@Anonymous wrote:

If you can't verify, they just deny the application.


Alright, she won't be like banished(for X mos) from Barclays or anything? I know its an odd question, but never experienced a verification issue before.

BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 12000 (6/23)
Sam's Club - 2500 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)
Message 3 of 10
Anonymous
Not applicable

Re: Verification if you can't prove


@Skye12329 wrote:

@Anonymous wrote:

If you can't verify, they just deny the application.


Alright, she won't be like banished(for X mos) from Barclays or anything? I know its an odd question, but never experienced a verification issue before.


No banishment... if she applies again, they may request the same info. so have her have it ready before trying again.

Message 4 of 10
Skye12329
Valued Contributor

Re: Verification if you can't prove


@Anonymous wrote:

@Skye12329 wrote:

@Anonymous wrote:

If you can't verify, they just deny the application.


Alright, she won't be like banished(for X mos) from Barclays or anything? I know its an odd question, but never experienced a verification issue before.


No banishment... if she applies again, they may request the same info. so have her have it ready before trying again.


Alright thanks, she thought it was a little odd to be asked for verification. I just reassured her it happens for whatever reason. 

BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 12000 (6/23)
Sam's Club - 2500 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)
Message 5 of 10
Anonymous
Not applicable

Re: Verification if you can't prove


@Skye12329 wrote:

@Anonymous wrote:

@Skye12329 wrote:

@Anonymous wrote:

If you can't verify, they just deny the application.


Alright, she won't be like banished(for X mos) from Barclays or anything? I know its an odd question, but never experienced a verification issue before.


No banishment... if she applies again, they may request the same info. so have her have it ready before trying again.


Alright thanks, she thought it was a little odd to be asked for verification. I just reassured her it happens for whatever reason. 


No, it is not odd.  Banks do it from time to time..   Is this the same sister that does not have income and is in school from a previous thread?

Message 6 of 10
Skye12329
Valued Contributor

Re: Verification if you can't prove


@Anonymous wrote:

@Skye12329 wrote:

@Anonymous wrote:

@Skye12329 wrote:

@Anonymous wrote:

If you can't verify, they just deny the application.


Alright, she won't be like banished(for X mos) from Barclays or anything? I know its an odd question, but never experienced a verification issue before.


No banishment... if she applies again, they may request the same info. so have her have it ready before trying again.


Alright thanks, she thought it was a little odd to be asked for verification. I just reassured her it happens for whatever reason. 


No, it is not odd.  Banks do it from time to time..   Is this the same sister that does not have income and is in school from a previous thread?


Think thats someone elses sister, mine is in school with a PT time job. I helped get her credit started and such. 

BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 12000 (6/23)
Sam's Club - 2500 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)
Message 7 of 10
Anonymous
Not applicable

Re: Verification if you can't prove


@Skye12329 wrote:

No, it is not odd.  Banks do it from time to time..   Is this the same sister that does not have income and is in school from a previous thread?


Think thats someone elses sister, mine is in school with a PT time job. I helped get her credit started and such. 


@Skye12329,

 

My badSmiley Happy  I confuse you with this thread..http://ficoforums.myfico.com/t5/Credit-Card-Applications/No-Income-BCE/m-p/3991022#M58507

 

But your sister should be fine whenever she is ready-

Message 8 of 10
Anonymous
Not applicable

Re: Verification if you can't prove

They will just decline the app as was said before. Plus at her age she probably has no history.

 

She can go to the ss office and provide documentation to get a duplicate card issued.

Message 9 of 10
myjourney
Super Contributor

Re: Verification if you can't prove

IIRC she has 30 days before it results in a denial so maybe dad will be home by then of course as always YMMV

Good luck to sis

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 10 of 10
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