Unable To Verify Identity

[dcastillo68]

Hello All, I was recently approved for the victoria secret card via the SCT.  I really want the Express Card, but can't get it to pop up.  Tried it literally hundredths of times!  I decided to sacrafice the hard pull and just submit the application.  I got the dreaded 7-10 day notice.  When I received the letter it stated to call within 14 days to verify info.  Well I guess I must have answered something wrong because they told me they needed addtional time to review.  I then got the letter that stated that they couldn't verify my identity.  I tried calling and they said there was nothing I could do, that I needed to wait 30 days and apply again.  My 30 days is approaching the end of this week and like I entioned I REALLY want the card, badly!!  When the 30 days are up, should I apply at the store?  Do you think I will get be more successful if I go in person.  I just can't waste another HP.  Let me know your thoughts and if anyone has went through this situation, that would be helpful!  thanks

[Anonymous]

I don't think you should go to the store to apply.  I would assume everyone there is retail-oriented and would simply relay your information through their registers - it's as if you were to apply online.  Best course of action would be to contact whomever is in charge of the card.  If you're talking about the Express Next credit card - it looks like that would be Comenity Bank.  I would try giving them another call to explain your situation to see if someone else could assist you with your "unable to verify identity" issue.  

That's what I would do.

*It may also be because your FICO scores are pretty low.  You may have to work on that before getting approved.

Good luck!

[MRsolis]

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@dcastillo68 wrote:

Hello All, I was recently approved for the victoria secret card via the SCT.  I really want the Express Card, but can't get it to pop up.  Tried it literally hundredths of times!  I decided to sacrafice the hard pull and just submit the application.  I got the dreaded 7-10 day notice.  When I received the letter it stated to call within 14 days to verify info.  Well I guess I must have answered something wrong because they told me they needed addtional time to review.  I then got the letter that stated that they couldn't verify my identity.  I tried calling and they said there was nothing I could do, that I needed to wait 30 days and apply again.  My 30 days is approaching the end of this week and like I entioned I REALLY want the card, badly!!  When the 30 days are up, should I apply at the store?  Do you think I will get be more successful if I go in person.  I just can't waste another HP.  Let me know your thoughts and if anyone has went through this situation, that would be helpful!  thanks

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I had a slightly similar problem with Comenity bank ( the bank that issues these cards): http://ficoforums.myfico.com/t5/Credit-Cards/Comenity-Bank-Fraud-Flag/m-p/4098293#M1153849 

My resolution was that I had to send proof of my Identity to their account control team. You can contact their account control team at 1-800-888-1726 and they may be able to tell you what happened. 

[ErikaC1]

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@dcastillo68 wrote:

Hello All, I was recently approved for the victoria secret card via the SCT.  I really want the Express Card, but can't get it to pop up.  Tried it literally hundredths of times!  I decided to sacrafice the hard pull and just submit the application.  I got the dreaded 7-10 day notice.  When I received the letter it stated to call within 14 days to verify info.  Well I guess I must have answered something wrong because they told me they needed addtional time to review.  I then got the letter that stated that they couldn't verify my identity.  I tried calling and they said there was nothing I could do, that I needed to wait 30 days and apply again.  My 30 days is approaching the end of this week and like I entioned I REALLY want the card, badly!!  When the 30 days are up, should I apply at the store?  Do you think I will get be more successful if I go in person.  I just can't waste another HP.  Let me know your thoughts and if anyone has went through this situation, that would be helpful!  thanks

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Had the same issue when I applied for the HSN card. I let it go and never applied again. I did have to call in to verify for the Express card again and answer those ?'s they ask that are pulled from the credit reports. Some of those ?'s do not match your report at all and can sometimes throw you off when answering them. Good luck. 

[MRsolis]

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@ErikaC1 wrote:

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@dcastillo68 wrote:

Hello All, I was recently approved for the victoria secret card via the SCT.  I really want the Express Card, but can't get it to pop up.  Tried it literally hundredths of times!  I decided to sacrafice the hard pull and just submit the application.  I got the dreaded 7-10 day notice.  When I received the letter it stated to call within 14 days to verify info.  Well I guess I must have answered something wrong because they told me they needed addtional time to review.  I then got the letter that stated that they couldn't verify my identity.  I tried calling and they said there was nothing I could do, that I needed to wait 30 days and apply again.  My 30 days is approaching the end of this week and like I entioned I REALLY want the card, badly!!  When the 30 days are up, should I apply at the store?  Do you think I will get be more successful if I go in person.  I just can't waste another HP.  Let me know your thoughts and if anyone has went through this situation, that would be helpful!  thanks

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Had the same issue when I applied for the HSN card. I let it go and never applied again. I did have to call in to verify for the Express card again and answer those ?'s they ask that are pulled from the credit reports. Some of those ?'s do not match your report at all and can sometimes throw you off when answering them. Good luck. 

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Going off of this information: The questions they ask you are received from Lexis Nexus and they verify your identity using TRUE ID which is offered by Lexis Nexis (According to Comenity). So the information may not be the same as what you have on your credit report. If you would like to request a copy of your file then you can request it here: https://personalreports.lexisnexis.com/access_your_full_file_disclosure.jsp 

[ErikaC1]

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@MRsolis wrote:

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@ErikaC1 wrote:

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@dcastillo68 wrote:

Hello All, I was recently approved for the victoria secret card via the SCT.  I really want the Express Card, but can't get it to pop up.  Tried it literally hundredths of times!  I decided to sacrafice the hard pull and just submit the application.  I got the dreaded 7-10 day notice.  When I received the letter it stated to call within 14 days to verify info.  Well I guess I must have answered something wrong because they told me they needed addtional time to review.  I then got the letter that stated that they couldn't verify my identity.  I tried calling and they said there was nothing I could do, that I needed to wait 30 days and apply again.  My 30 days is approaching the end of this week and like I entioned I REALLY want the card, badly!!  When the 30 days are up, should I apply at the store?  Do you think I will get be more successful if I go in person.  I just can't waste another HP.  Let me know your thoughts and if anyone has went through this situation, that would be helpful!  thanks

---

Had the same issue when I applied for the HSN card. I let it go and never applied again. I did have to call in to verify for the Express card again and answer those ?'s they ask that are pulled from the credit reports. Some of those ?'s do not match your report at all and can sometimes throw you off when answering them. Good luck. 

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Going off of this information: The questions they ask you are received from Lexis Nexus and they verify your identity using TRUE ID which is offered by Lexis Nexis (According to Comenity). So the information may not be the same as what you have on your credit report. If you would like to request a copy of your file then you can request it here: https://personalreports.lexisnexis.com/access_your_full_file_disclosure.jsp 

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thanks! that makes sense because I have gotten one of these Lexis Nexus before and there were things on there that did not match me but someone in KY. I live in Ohio and i was freaked out for a bit. I may pull a new one just to be safe. 

[morgacj2004]

I think you would be more likely to be approved if you went in to the store than on line for the following reasons. When you apply in the store the clerk is going to ask you for one or two pieces of ID, they will then input that info into the system. The approving bank will often times call and ask you some addl info on the phone but at least you are talking to a live person who can make instant decisions. You are also more likely to get a higher CL limit in the store (with Cometity) than you would applying on line or using the SCT.

[dcastillo68]

Thank you all for the responses. I definitely have additional info that I didn't have previously.  All good for future resource use.  I misplaced the letter that had the application number so I may just opt going to the store.  Thanks for everyone's input!