Phone Number on CR

[Underh20]

Some CRAs include yout telephone number on your CR.  I have just seen a case where EQ has not included a phone number on an individual's CR and that person was denied credit because their phone number could not be verified on their CR.

Any ideas about that?

[Anonymous]

It does happen but there are other ways for a creditor to verify information.  Some say you must have a home phone and not a cell phone to get credit.

Borderline discrimination.

[Jazzzy]

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@Underh20 wrote:

Some CRAs include yout telephone number on your CR.  I have just seen a case where EQ has not included a phone number on an individual's CR and that person was denied credit because their phone number could not be verified on their CR.

Any ideas about that?

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We just attempted to put our phone number on our EQ report (land line that we've had for 20+ years). We did this through myFICOs dispute process, as the process itself encourages you to give EQ your phone number. We also removed some old incorrect addresses.

We got a form from EQ showing that they had fixed the addresses. Under "phone number" they said that they no longer report phone numbers.

[Jazzzy]

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@Anonymous wrote:

It does happen but there are other ways for a creditor to verify information.  Some say you must have a home phone and not a cell phone to get credit.

Borderline discrimination.

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I've heard this before as well and seen it discussed in the forums.

My daughter and future son-in-law recently bought a home, got a mortgage, etc. Each of them have a cell phone. Never had a land line. They both had (fairly) strong credit files.

I often wonder if the "phone number" issue can be an easy reason for not granting credit.

I don't know the answer...but, no...you don't have to have a land line in order to get credit. Maybe just certain creditors.

[Underh20]

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@LynetteM wrote:

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@Underh20 wrote:

Some CRAs include yout telephone number on your CR.  I have just seen a case where EQ has not included a phone number on an individual's CR and that person was denied credit because their phone number could not be verified on their CR.

Any ideas about that?

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We just attempted to put our phone number on our EQ report (land line that we've had for 20+ years). We did this through myFICOs dispute process, as the process itself encourages you to give EQ your phone number. We also removed some old incorrect addresses.

We got a form from EQ showing that they had fixed the addresses. Under "phone number" they said that they no longer report phone numbers.

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I just got an e-mail from EQ with the same thing.

I wonder how a creditor can decline your application for something that is impossible to accomplish? 

[Anonymous]

When I said "some say you must have a home phone.....", I was talking about the creditors.  And I have been denied because I did not have a verifiable phone number.  They have to be able to call directory assistance and verifiy you have a phone in your name.  You can not do that with a cell phone.

I just had my home phone disconnected.  I do not see the point of the expense in maintaining one when I have a cell phone.

[Underh20]

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@Anonymous wrote:

When I said "some say you must have a home phone.....", I was talking about the creditors.  And I have been denied because I did not have a verifiable phone number.  They have to be able to call directory assistance and verifiy you have a phone in your name.  You can not do that with a cell phone.

I just had my home phone disconnected.  I do not see the point of the expense in maintaining one when I have a cell phone.

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Sure, I understand that.  But this creditor specifically stated: "Your telephone number could not be verified on your [EQ] credit report."  How can they decline you for that when EQ doesn't allow you to add a phone number to your CR? 

Message Edited by Underh20 on 09-09-2009 06:19 AM

[Anonymous]

Yes, that is exactly what they said to me!  How they can do it I do not know.

I do know that EQ gets your personal information from creditors.  There has not been a phone # on my EQ for years and I always add one when I feel out applications.

I do not want a phone number on my accounts.  Since the information is sold to 3rd parties.  I have yet to Opt out.

[IOBA]

The credit bureaus each told me that I had to have a valid phone number on my credit report to be allowed to have the fraud alert.

[Jazzzy]

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@IOBA wrote:
The credit bureaus each told me that I had to have a valid phone number on my credit report to be allowed to have the fraud alert.

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If EQ told you this...did you ask them WHY they no longer choose to list phone numbers?