Verification Questions..

Anonymous · ‎04-23-2020

All of a sudden, I'm failing verification questions left and right. Of the countless ones I've taken in the past, I've never failed one before. Started last week when I tried signing up with VantageWest CU (I'm in their geofence). The first set of 5 questions, at least 4, if not all 5, came back absolutely nothing to do with me - I failed. Second time, all 5, nothing to do with me - I failed. Third time, only one question and again, NOTHING to do with me - I failed. Each set had at least 1 mortgage related one, third one with only 1 question was mortgage related and the second set had 4 of the 5 related to mortgages.

Today I decide to take advantage of the weekly free reports and some reason Experian comes back with an error and it won't go through. I figure big woop, I still have an active trial for the month for that. It gets to TU and they ask a list of verification questions, 1 of which applied to me and guess what? FAILED! One of them had to do with mortgages.

I don't get what's going on all of a sudden. I absolutely have not had any changes to my situation to warrant the sudden fascination with mortgages. There is NOTHING that I see on my Experian or on my TU/EQ from right around the time this started to happen that indicates anything has changed. All verification questions have had at least 1 related to a mortgage, if not 2 of them, which I don't and never have had. As far as I can remember, I've NEVER had a "mortgage" related question in these scenarios. It's always been about people I may know, addresses of mine or theirs, auto loan, phone numbers and stuff like that. Now it's mostly mortgage related questions and I'm failing verifications. Starting to really annoy me to no end.

Anyone have any ideas on what and where to look that this is all of a sudden happening to try to figure out why?

Thanks in advance!

thornback · ‎04-23-2020

@Anonymous wrote:
All of a sudden, I'm failing verification questions left and right. Of the countless ones I've taken in the past, I've never failed one before. Started last week when I tried signing up with VantageWest CU (I'm in their geofence). The first set of 5 questions, at least 4, if not all 5, came back absolutely nothing to do with me - I failed. Second time, all 5, nothing to do with me - I failed. Third time, only one question and again, NOTHING to do with me - I failed. Each set had at least 1 mortgage related one, third one with only 1 question was mortgage related and the second set had 4 of the 5 related to mortgages.

Today I decide to take advantage of the weekly free reports and some reason Experian comes back with an error and it won't go through. I figure big woop, I still have an active trial for the month for that. It gets to TU and they ask a list of verification questions, 1 of which applied to me and guess what? FAILED! One of them had to do with mortgages.

I don't get what's going on all of a sudden. I absolutely have not had any changes to my situation to warrant the sudden fascination with mortgages. There is NOTHING that I see on my Experian or on my TU/EQ from right around the time this started to happen that indicates anything has changed. All verification questions have had at least 1 related to a mortgage, if not 2 of them, which I don't and never have had. As far as I can remember, I've NEVER had a "mortgage" related question in these scenarios. It's always been about people I may know, addresses of mine or theirs, auto loan, phone numbers and stuff like that. Now it's mostly mortgage related questions and I'm failing verifications. Starting to really annoy me to no end.

Anyone have any ideas on what and where to look that this is all of a sudden happening to try to figure out why?

Thanks in advance!

I just received a 'we're having tech issues' response from the annualfreecreditreport weekly report request for Experian - but it didn't say I 'failed' verification - it just said there was a tech issue and I could request by mail or try again later. I was able to move on and retrieve Equifax and Transunion though. So, not sure if, for Experian, it's just a tech issue or a verification issue -- did yours actually say you "failed" verification or did it just reference a technical issue?

I always get a mortgage Q and I've never had a mortgage. I also get other Qs that don't pertain to me -- I just select 'none of the above' and I pass -- so the types of questions you're getting may not really be the issue; the issue is that if you've never had a mortgage and you select 'none of the above' -- that should not result in a failure to verify.

However, the fact that you failed verification for VantageWest also may suggest an information mixup somewhere. Do you, by chance, share a name with someone in your family (parent / grandparent maybe)? Perhaps get a copy of your LexisNexis (LN) Consumer Full File Disclosure to start...make sure it's accurate -- some Qs come from the info obtained there: https://consumer.risk.lexisnexis.com/request

If any info is wrong you can dispute it...

There are other consumer reports out there but LN is the most popular...

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

dragontears · ‎04-23-2020

Sounds like you need to get your Lexus Nexus report as that is the source of data for most verification questions

Anonymous · ‎04-23-2020

@thornback wrote:
@Anonymous wrote:
All of a sudden, I'm failing verification questions left and right. Of the countless ones I've taken in the past, I've never failed one before. Started last week when I tried signing up with VantageWest CU (I'm in their geofence). The first set of 5 questions, at least 4, if not all 5, came back absolutely nothing to do with me - I failed. Second time, all 5, nothing to do with me - I failed. Third time, only one question and again, NOTHING to do with me - I failed. Each set had at least 1 mortgage related one, third one with only 1 question was mortgage related and the second set had 4 of the 5 related to mortgages.

Today I decide to take advantage of the weekly free reports and some reason Experian comes back with an error and it won't go through. I figure big woop, I still have an active trial for the month for that. It gets to TU and they ask a list of verification questions, 1 of which applied to me and guess what? FAILED! One of them had to do with mortgages.

I don't get what's going on all of a sudden. I absolutely have not had any changes to my situation to warrant the sudden fascination with mortgages. There is NOTHING that I see on my Experian or on my TU/EQ from right around the time this started to happen that indicates anything has changed. All verification questions have had at least 1 related to a mortgage, if not 2 of them, which I don't and never have had. As far as I can remember, I've NEVER had a "mortgage" related question in these scenarios. It's always been about people I may know, addresses of mine or theirs, auto loan, phone numbers and stuff like that. Now it's mostly mortgage related questions and I'm failing verifications. Starting to really annoy me to no end.

Anyone have any ideas on what and where to look that this is all of a sudden happening to try to figure out why?

Thanks in advance!
I just received a 'we're having tech issues' response from the annualfreecreditreport weekly report request for Experian - but it didn't say I 'failed' verification - it just said there was a tech issue and I could request by mail or try again later. I was able to move on and retrieve Equifax and Transunion though. So, not sure if, for Experian, it's just a tech issue or a verification issue -- did yours actually say you "failed" verification or did it just reference a technical issue?

I always get a mortgage Q and I've never had a mortgage. I also get other Qs that don't pertain to me -- I just select 'none of the above' and I pass -- so the types of questions you're getting may not really be the issue; the issue is that if you've never had a mortgage and you select 'none of the above' -- that should not result in a failure to verify.

However, the fact that you failed verification for VantageWest also may suggest an information mixup somewhere. Do you, by chance, share a name with someone in your family (parent / grandparent maybe)? Perhaps get a copy of your LexisNexis (LN) Consumer Full File Disclosure to start...make sure it's accurate -- some Qs come from the info obtained there: https://consumer.risk.lexisnexis.com/request
If any info is wrong you can dispute it...

There are other consumer reports out there but LN is the most popular...

Yeah. It did the error thing for EX. TU - it asked verification questions and clearly stated I failed and wouldn't even move forward with EQ. 1 was an old phone number, at least 1 of, if not all of the remaining questions were mortgage related (I honestly can't remember and couldn't even remember it as I was typing the original message to include it and it had literally just happened - lol). I don't share the same name with anyone in my family. I do know there are a few others out there that do share my name. Never seems to have been an issue before until the last week or so. Just submitted the LN request.

I was kinda thinking at first that VW could have been because I had all files locked and I wasn't 100% sure whether or not they pulled for just membership, as every one I found applied for the CC at the same time. And when I called in to inquire, they didn't mention anything about whether or not my report could have been locked or not, just that I'd have to go to a branch to open the account.

Anonymous · ‎04-23-2020

@dragontears wrote:
Sounds like you need to get your Lexus Nexus report as that is the source of data for most verification questions

Thanks! Done. Wish ya didn't have to wait around for snail mail for that, especially in todays atmosphere.

Iusedtolurk · ‎04-24-2020

@Anonymous wrote:
All of a sudden, I'm failing verification questions left and right. Of the countless ones I've taken in the past, I've never failed one before. Started last week when I tried signing up with VantageWest CU (I'm in their geofence). The first set of 5 questions, at least 4, if not all 5, came back absolutely nothing to do with me - I failed. Second time, all 5, nothing to do with me - I failed. Third time, only one question and again, NOTHING to do with me - I failed. Each set had at least 1 mortgage related one, third one with only 1 question was mortgage related and the second set had 4 of the 5 related to mortgages.

Today I decide to take advantage of the weekly free reports and some reason Experian comes back with an error and it won't go through. I figure big woop, I still have an active trial for the month for that. It gets to TU and they ask a list of verification questions, 1 of which applied to me and guess what? FAILED! One of them had to do with mortgages.

I don't get what's going on all of a sudden. I absolutely have not had any changes to my situation to warrant the sudden fascination with mortgages. There is NOTHING that I see on my Experian or on my TU/EQ from right around the time this started to happen that indicates anything has changed. All verification questions have had at least 1 related to a mortgage, if not 2 of them, which I don't and never have had. As far as I can remember, I've NEVER had a "mortgage" related question in these scenarios. It's always been about people I may know, addresses of mine or theirs, auto loan, phone numbers and stuff like that. Now it's mostly mortgage related questions and I'm failing verifications. Starting to really annoy me to no end.

Anyone have any ideas on what and where to look that this is all of a sudden happening to try to figure out why?

Thanks in advance!

Thought you might have been caught up in some system glitches as you were not the first to talk about issues experienced with obtaining the free weekly reports so I tried tonight.

Experian asked easy verification questions 1 out of 3 was specific to me. Transunion 2 out of 3 were specific to me.

When I got to Equifax it stated no online delivery available and to mail license, social security card, birth certificate, grammar school id, mother's family recipes and etc. so I just closed it out.

Anonymous · ‎04-25-2020

@Iusedtolurk wrote:
@Anonymous wrote:
All of a sudden, I'm failing verification questions left and right. Of the countless ones I've taken in the past, I've never failed one before. Started last week when I tried signing up with VantageWest CU (I'm in their geofence). The first set of 5 questions, at least 4, if not all 5, came back absolutely nothing to do with me - I failed. Second time, all 5, nothing to do with me - I failed. Third time, only one question and again, NOTHING to do with me - I failed. Each set had at least 1 mortgage related one, third one with only 1 question was mortgage related and the second set had 4 of the 5 related to mortgages.

Today I decide to take advantage of the weekly free reports and some reason Experian comes back with an error and it won't go through. I figure big woop, I still have an active trial for the month for that. It gets to TU and they ask a list of verification questions, 1 of which applied to me and guess what? FAILED! One of them had to do with mortgages.

I don't get what's going on all of a sudden. I absolutely have not had any changes to my situation to warrant the sudden fascination with mortgages. There is NOTHING that I see on my Experian or on my TU/EQ from right around the time this started to happen that indicates anything has changed. All verification questions have had at least 1 related to a mortgage, if not 2 of them, which I don't and never have had. As far as I can remember, I've NEVER had a "mortgage" related question in these scenarios. It's always been about people I may know, addresses of mine or theirs, auto loan, phone numbers and stuff like that. Now it's mostly mortgage related questions and I'm failing verifications. Starting to really annoy me to no end.

Anyone have any ideas on what and where to look that this is all of a sudden happening to try to figure out why?

Thanks in advance!
Thought you might have been caught up in some system glitches as you were not the first to talk about issues experienced with obtaining the free weekly reports so I tried tonight.

Experian asked easy verification questions 1 out of 3 was specific to me. Transunion 2 out of 3 were specific to me.

When I got to Equifax it stated no online delivery available and to mail license, social security card, birth certificate, grammar school id, mother's family recipes and etc. so I just closed it out.

Did you actually get EX and TU? Then EQ bottomed out? Or are you saying all 3 failed and EQ gave you the option for mailing in? Kinda hard for me to determine by how you put it, if they were success or fails on the first 2.

I ended up going back and EX failed to process again or whatever it was. TU was locked (believe now it gave me the option for a mail option to prove I'm me) and then EQ failed me, with the same mailing option.

Iusedtolurk · ‎04-25-2020

@Anonymous wrote:
@Iusedtolurk wrote:
@Anonymous wrote:
All of a sudden, I'm failing verification questions left and right. Of the countless ones I've taken in the past, I've never failed one before. Started last week when I tried signing up with VantageWest CU (I'm in their geofence). The first set of 5 questions, at least 4, if not all 5, came back absolutely nothing to do with me - I failed. Second time, all 5, nothing to do with me - I failed. Third time, only one question and again, NOTHING to do with me - I failed. Each set had at least 1 mortgage related one, third one with only 1 question was mortgage related and the second set had 4 of the 5 related to mortgages.

Today I decide to take advantage of the weekly free reports and some reason Experian comes back with an error and it won't go through. I figure big woop, I still have an active trial for the month for that. It gets to TU and they ask a list of verification questions, 1 of which applied to me and guess what? FAILED! One of them had to do with mortgages.

I don't get what's going on all of a sudden. I absolutely have not had any changes to my situation to warrant the sudden fascination with mortgages. There is NOTHING that I see on my Experian or on my TU/EQ from right around the time this started to happen that indicates anything has changed. All verification questions have had at least 1 related to a mortgage, if not 2 of them, which I don't and never have had. As far as I can remember, I've NEVER had a "mortgage" related question in these scenarios. It's always been about people I may know, addresses of mine or theirs, auto loan, phone numbers and stuff like that. Now it's mostly mortgage related questions and I'm failing verifications. Starting to really annoy me to no end.

Anyone have any ideas on what and where to look that this is all of a sudden happening to try to figure out why?

Thanks in advance!
Thought you might have been caught up in some system glitches as you were not the first to talk about issues experienced with obtaining the free weekly reports so I tried tonight.

Experian asked easy verification questions 1 out of 3 was specific to me. Transunion 2 out of 3 were specific to me.

When I got to Equifax it stated no online delivery available and to mail license, social security card, birth certificate, grammar school id, mother's family recipes and etc. so I just closed it out.
Did you actually get EX and TU? Then EQ bottomed out? Or are you saying all 3 failed and EQ gave you the option for mailing in? Kinda hard for me to determine by how you put it, if they were success or fails on the first 2.

I ended up going back and EX failed to process again or whatever it was. TU was locked (believe now it gave me the option for a mail option to prove I'm me) and then EQ failed me, with the same mailing option.

I actually received Experian and Transunion reports (downloaded to computer as PDFs because printing them would have been a strain on ink and paper).

Equifax didn't ask any verification questions it just went straight to mailing options.

Hope this provided clarity.

GApeachy · ‎04-25-2020

@Anonymous Check your FactorTrust report also. I had a similar issue as you and found a fraudulent address and loan app done in my name in another state. Hope that's not the case for you.

My Take Home Pay Don't Take Me Home

Anonymous · ‎04-25-2020

@Iusedtolurk wrote:
@Anonymous wrote:
@Iusedtolurk wrote:
@Anonymous wrote:
All of a sudden, I'm failing verification questions left and right. Of the countless ones I've taken in the past, I've never failed one before. Started last week when I tried signing up with VantageWest CU (I'm in their geofence). The first set of 5 questions, at least 4, if not all 5, came back absolutely nothing to do with me - I failed. Second time, all 5, nothing to do with me - I failed. Third time, only one question and again, NOTHING to do with me - I failed. Each set had at least 1 mortgage related one, third one with only 1 question was mortgage related and the second set had 4 of the 5 related to mortgages.

Today I decide to take advantage of the weekly free reports and some reason Experian comes back with an error and it won't go through. I figure big woop, I still have an active trial for the month for that. It gets to TU and they ask a list of verification questions, 1 of which applied to me and guess what? FAILED! One of them had to do with mortgages.

I don't get what's going on all of a sudden. I absolutely have not had any changes to my situation to warrant the sudden fascination with mortgages. There is NOTHING that I see on my Experian or on my TU/EQ from right around the time this started to happen that indicates anything has changed. All verification questions have had at least 1 related to a mortgage, if not 2 of them, which I don't and never have had. As far as I can remember, I've NEVER had a "mortgage" related question in these scenarios. It's always been about people I may know, addresses of mine or theirs, auto loan, phone numbers and stuff like that. Now it's mostly mortgage related questions and I'm failing verifications. Starting to really annoy me to no end.

Anyone have any ideas on what and where to look that this is all of a sudden happening to try to figure out why?

Thanks in advance!
Thought you might have been caught up in some system glitches as you were not the first to talk about issues experienced with obtaining the free weekly reports so I tried tonight.

Experian asked easy verification questions 1 out of 3 was specific to me. Transunion 2 out of 3 were specific to me.

When I got to Equifax it stated no online delivery available and to mail license, social security card, birth certificate, grammar school id, mother's family recipes and etc. so I just closed it out.
Did you actually get EX and TU? Then EQ bottomed out? Or are you saying all 3 failed and EQ gave you the option for mailing in? Kinda hard for me to determine by how you put it, if they were success or fails on the first 2.

I ended up going back and EX failed to process again or whatever it was. TU was locked (believe now it gave me the option for a mail option to prove I'm me) and then EQ failed me, with the same mailing option.
I actually received Experian and Transunion reports (downloaded to computer as PDFs because printing them would have been a strain on ink and paper).

Equifax didn't ask any verification questions it just went straight to mailing options.

Hope this provided clarity.

Gotcha! Figured that was the case, but wasn't 100% sure.