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I've HAD it with identity verification.

crazedforcredit
Established Contributor

I've HAD it with identity verification.

I app'd and was approved for a crummy Credit One card. Suddenly, 11 days later, they can't verify my identity. They want me to snail mail docs to them. I went through this with OpenSky as well, except I was able to upload the docs to them. After sending them twice, OpenSky still couldn't verify me.
I've gotten a Fingerhut account, a secured First Progress card, and a Victoria's Secret card where they were able to verify my identity from information in my credit report. I'm not sending copies of sensitive docs in the mail to get a card I was only going to keep a year anyway. It just kills me that some card issuers can seem to verify me and some can't. I'm just going to give up and stick with the 3 I have for now. Im just too aggravated to do anything else. 😡
Starting rebuild July 2019 EX 501, EQ 512, TU n/a CCT Fico 8 scores
Message 1 of 11
10 REPLIES 10
KJinNC
Valued Contributor

Re: I've HAD it with identity verification.

Sorry to hear - but, it may be a blessing in disguise. Instead of that Credit One card, after your other cards age a few months, you might be able to get something better, like a Discover secured. I don't know your profile so can't really predict anything, but I don't think you're missing out on much with Credit One or anything predatory. Three cards are enough for now. You might also consider a Self Lender secured loan. Good luck!


FICO Resilience Index: 66. Cards: 13/24, 2/12, 2/6. Accounts including loans: 14/24, 3/12, 2/6. At first accidentally, later deliberately, I used what I call the "thick-start" build method, which leads to heavy credit-seeking for a while with the goal of coming out of it without needing to build a thin profile for years. There are pros and cons. Thread describing method
Cards (oldest to newest)


Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $144,100, not counting the AU card. The AU card brings the total to $170,600. In March 2019, card CLs totaled $0.
CU and bank memberships: Coastal Credit Union, member since 1987, direct deposit; PenFed, member since 2019; Navy Federal, member since 2020; USAA, member since 2020; Chase Bank, member since 2020.

Closed but still on reports: American Express Delta Gold, $1,000, 09/19-10/20 | American Express Hilton Aspire, $3,100, 09/19-12/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Note: My signature is updated frequently, and updates appear on all instances of my signature including on old posts.
Message 2 of 11
crazedforcredit
Established Contributor

Re: I've HAD it with identity verification.

Yeah I agree I'm just going to cool it for a while. I had a preapproval which was the only reason I app'd to start with. It was a chance at an unsecured card that might grow a little. I'll just stick with what Ive got though. I'm undecided about self lender because I already have personal loans that are paid off and report with no lates etc. Would a self lender really help at this point?
Starting rebuild July 2019 EX 501, EQ 512, TU n/a CCT Fico 8 scores
Message 3 of 11
KJinNC
Valued Contributor

Re: I've HAD it with identity verification.

Someone else might have better insight, but I think a current loan affects your score differently (more) than a closed/paid loan.

 

No big deal, though. Your three cards should help a lot in terms of moving up to the next tier of stuff as they report positive a few months.


FICO Resilience Index: 66. Cards: 13/24, 2/12, 2/6. Accounts including loans: 14/24, 3/12, 2/6. At first accidentally, later deliberately, I used what I call the "thick-start" build method, which leads to heavy credit-seeking for a while with the goal of coming out of it without needing to build a thin profile for years. There are pros and cons. Thread describing method
Cards (oldest to newest)


Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $144,100, not counting the AU card. The AU card brings the total to $170,600. In March 2019, card CLs totaled $0.
CU and bank memberships: Coastal Credit Union, member since 1987, direct deposit; PenFed, member since 2019; Navy Federal, member since 2020; USAA, member since 2020; Chase Bank, member since 2020.

Closed but still on reports: American Express Delta Gold, $1,000, 09/19-10/20 | American Express Hilton Aspire, $3,100, 09/19-12/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Note: My signature is updated frequently, and updates appear on all instances of my signature including on old posts.
Message 4 of 11
FireMedic1
Super Contributor

Re: I've HAD it with identity verification.

 Yes FICO likes to see an installment loan along with a min of 3 revolving credit cards for the rebuild FICO bonus. Isn't too crummy if they approved you. Pull your 3 credit reports and look over them real close. Theres something that isnt matching what you put into the appplication info. A street number could be off and this can happen.






My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. Help fellow members accomplish the rebuild when you do it right and play the FICO Credit Game.
Message 5 of 11
crazedforcredit
Established Contributor

Re: I've HAD it with identity verification.

Both First Progress and Fingerhut have started reporting, plus Fingerhut Fresh Start reported closed in good standing. I let both FP and FH report with high balances on purpose this month to show that I can pay these appropriately, with higher than minimum payments and the ability to pay down balances without adding more charges until the balance is paid to zero. I put a small ($40) charge on Victoria's Secret to jump start that card reporting, which I will pay as soon as it posts. Right now I'm not focused on the point loss/gain due to utilization as much as just building a strong positive history as a foundation for future credit endeavours.
Starting rebuild July 2019 EX 501, EQ 512, TU n/a CCT Fico 8 scores
Message 6 of 11
crazedforcredit
Established Contributor

Re: I've HAD it with identity verification.

Even though they approved me, it's still crummy. I was willing to embrace said crumminess to help my rebuild. Considering my scores, I'm grateful for crummy, but not grateful enough to mail the keys to my life halfway across the USA. Plus I'm just tired, and in a crappy mood overall so this didnt help. The credit chase makes me a little crazy.
Starting rebuild July 2019 EX 501, EQ 512, TU n/a CCT Fico 8 scores
Message 7 of 11
FireMedic1
Super Contributor

Re: I've HAD it with identity verification.

Which creditor did CO try to pull? Which creditors were pulled that didnt have the creditor ask for verification. May land on only 1 of the 3 thats messed up.






My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. Help fellow members accomplish the rebuild when you do it right and play the FICO Credit Game.
Message 8 of 11
crazedforcredit
Established Contributor

Re: I've HAD it with identity verification.

CO pulled Experian. VS was a soft pull, and I cant remember on FH or FP. I'll have to pull my reports and see
Starting rebuild July 2019 EX 501, EQ 512, TU n/a CCT Fico 8 scores
Message 9 of 11
gdale6
Moderator

Re: I've HAD it with identity verification.

I feel your pain, Im sick of it to just get into online banking anymore. Am nearly ready to just have everything mailed and send in checks like I did for decades.

Message 10 of 11
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