Address verification without lease or utilities documents

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flashoflight
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Address verification without lease or utilities documents

Postby flashoflight » Wed Dec 03, 2014 1:55 pm

Hey everyone,

I recently applied for the Chase Freedom card and I was told that they were not able to verify my address so until I submit address verification, they would not be able to proceed with my application. Due to the nature of my job, I jump around a lot and where I stay currently, my name is not on the lease or on the utilities bills. My driver's licence has my address from a different state as I will probably move back there in a few months anyway.

My question is, what would they accept as address proof besides these things? I asked if I could use a bank document with my current address, or even a bill from my other Capital One credit card, but I was told that it would not work. So am I out of luck here or is there something I could do?

Thanks!


takeshi
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Postby takeshi » Thu Dec 04, 2014 8:58 am

You'd have to ask Chase. We can't tell you what they would accept.

Given the nature of your work are you not able to use a relative or someone else's address as a more permanent address?

flashoflight
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Postby flashoflight » Thu Dec 04, 2014 9:07 am

takeshi wrote:You'd have to ask Chase. We can't tell you what they would accept.

Given the nature of your work are you not able to use a relative or someone else's address as a more permanent address?


I could use a relative's address, but again I would have to show some kind of proof that has my name on it though. And my name isn't on my relative's lease or utilities bill etc.

Was just wondering if anyone else has been in this situation, and if so, what they did to get around it.

whit
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Postby whit » Thu Dec 04, 2014 11:45 am

is your drivers license with an old address like parents?
where you can go back and grab the card from there if it was sent there so you can just use the addres on your card, kwim?

since you bounce around and don't have a water bill or electric you won't have a lease either which is another option

you could apply for a drivers license with the current address being the one you're at--they usually give you 30 days to resolve without hitting your credit again and if you call to explain they may be able to extend that 30 days

bite the bullet that way, it sucks since you're gonna move in a few months anyways but unfortunately with the way the world is today and the little thing called us pat riot act the issuer has to act within regulation and you my friend, have to work with it as well

flashoflight
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Postby flashoflight » Thu Dec 04, 2014 1:28 pm

whit wrote:is your drivers license with an old address like parents?
where you can go back and grab the card from there if it was sent there so you can just use the addres on your card, kwim?

since you bounce around and don't have a water bill or electric you won't have a lease either which is another option

you could apply for a drivers license with the current address being the one you're at--they usually give you 30 days to resolve without hitting your credit again and if you call to explain they may be able to extend that 30 days



Actually, I forgot about this, but my driver's license situation is a little more complicated haha. What happened recently was that my license was about to expire and I needed a new one. My license is a CA license and I live in NY for now. So I asked them to change my mailing address on my license to my NY address. Ultimately, they ended up sending me a CA license with my NY address on it. So I'm not even sure of the validity of that thing anymore.

If I am not able to submit proof of my address to them at this point and my application is rejected, will this affect my score in any way? From what I understand, if the application does not pass the verification process, they would not have moved on to the credit check part of it yet and so nothing negative happens. Is this true?

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Postby otter » Thu Dec 04, 2014 3:53 pm

flashoflight wrote:Actually, I forgot about this, but my driver's license situation is a little more complicated haha. What happened recently was that my license was about to expire and I needed a new one. My license is a CA license and I live in NY for now. So I asked them to change my mailing address on my license to my NY address. Ultimately, they ended up sending me a CA license with my NY address on it. So I'm not even sure of the validity of that thing anymore.

If I am not able to submit proof of my address to them at this point and my application is rejected, will this affect my score in any way? From what I understand, if the application does not pass the verification process, they would not have moved on to the credit check part of it yet and so nothing negative happens. Is this true?


I was actually in the same boat at my last address... I rented a room and so had no utilities in my name although I did have a lease I could show them; so I've been through this before ( with Citi not Chase). I tried to find some solution which would be acceptable to them, but they wanted nothing but utility bills. I offered any one of several bank and brokerage statements, they said no. I even offered to have someone with my company send them a letter on company stationary verifying my address since they had sent and received back correspondence sent to my home address- no dice even though I work for a very large company (whose CEO owns an NFL franchise). It probably already is a hard pull(I tried to dispute mine with no luck) because they've already checked your file and didn't like that you haven't lived there long enough for them. I looked at it as a life lesson- unless your name is on the lease and you have utilities in your name, you're better off waiting at least six months after moving before applying for banks which are known to ask for proof. Citi is big on address verification as is Chase I suppose.
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Postby whit » Thu Dec 04, 2014 7:04 pm

I probably should have clarified as lease is a document you can get a template off of the internet and have the landlord sign..so it's not difficult to get for someone who bounces around on a less frequent basis than the one I had in mind when I replied

so if you can get a lease..signed..I know a daughter who was basically living rent free in a place (her mom owned) on Beverly Hills and got her mom to make a lease with her so she can prove her address

just sayin'

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Postby thom02099 » Thu Dec 04, 2014 7:19 pm

flashoflight wrote:Actually, I forgot about this, but my driver's license situation is a little more complicated haha. What happened recently was that my license was about to expire and I needed a new one. My license is a CA license and I live in NY for now. So I asked them to change my mailing address on my license to my NY address. Ultimately, they ended up sending me [color="red"]a CA license with my NY address on it. So I'm not even sure of the validity of that thing anymore.
[/color]
If I am not able to submit proof of my address to them at this point and my application is rejected, will this affect my score in any way? From what I understand, if the application does not pass the verification process, they would not have moved on to the credit check part of it yet and so nothing negative happens. Is this true?


It's legal, and it's valid. People do it all the time, particularly with the two states in question. In my job I see it all the time and it's nothing unusual. If the state allows it, it's valid. Some states don't. I did the same thing in moving from NJ to CO back in the day.

What about a vehicle registration and/or auto insurance? Those could also be acceptable forms of address verification. As was stated previously, call them and ask them for a list of ALL their acceptable address verification documents.
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flashoflight
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Postby flashoflight » Thu Dec 04, 2014 7:36 pm

otter wrote:I was actually in the same boat at my last address... I rented a room and so had no utilities in my name although I did have a lease I could show them; so I've been through this before ( with Citi not Chase). I tried to find some solution which would be acceptable to them, but they wanted nothing but utility bills. I offered any one of several bank and brokerage statements, they said no. I even offered to have someone with my company send them a letter on company stationary verifying my address since they had sent and received back correspondence sent to my home address- no dice even though I work for a very large company (whose CEO owns an NFL franchise). It probably already is a hard pull(I tried to dispute mine with no luck) because they've already checked your file and didn't like that you haven't lived there long enough for them. I looked at it as a life lesson- unless your name is on the lease and you have utilities in your name, you're better off waiting at least six months after moving before applying for banks which are known to ask for proof. Citi is big on address verification as is Chase I suppose.


That really sucks. Wish I thought about this before I went ahead and just applied for it. Thing is, I've been at my current address for nearly a year now actually. Will be moving again soon, but that's another story...

whit wrote:I probably should have clarified as lease is a document you can get a template off of the internet and have the landlord sign..so it's not difficult to get for someone who bounces around on a less frequent basis than the one I had in mind when I replied

so if you can get a lease..signed..I know a daughter who was basically living rent free in a place (her mom owned) on Beverly Hills and got her mom to make a lease with her so she can prove her address

just sayin'


I might have to ask the person I'm staying with if I can put my name on the lease maybe. The landlord is not really a very friendly person from what I know haha. But this may be an option I guess.

thom02099 wrote:It's legal, and it's valid. People do it all the time, particularly with the two states in question. In my job I see it all the time and it's nothing unusual. If the state allows it, it's valid. Some states don't. I did the same thing in moving from NJ to CO back in the day.

What about a vehicle registration and/or auto insurance? Those could also be acceptable forms of address verification. As was stated previously, call them and ask them for a list of ALL their acceptable address verification documents.


That's really good to hear actually. If this is legal and valid, in that case won't the bank accept a driver's licence as proof of address? I feel like that's quite a standard thing to use in this scenario. I will call them though and make sure. I'll make sure to get a complete list this time as well.

I don't own a vehicle though, so no documentation there.

Thanks for all the responses and help so far everyone! Much appreciated!

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Postby flashoflight » Tue Dec 09, 2014 6:40 pm

Just posting with an update! So I got the letter from Chase in the mail saying that I needed to submit some proof of address. I decided I would try my luck with the CA licence with my NY address. So I called the number on the letter to ask if I could send this over electronically so it would be faster. Before I could say anything, she asked me for my ref. number and then went on to ask me if I wanted to verify my address on a pending application over the phone. So I was like yeah great! She then asked me some questions like which of these address have you lived at previously and which of these schools did you attend etc. After I answered all that, she immediately went on to the credit approval thing and approved me for my card on the spot! So basically everything worked out in the end! They are expediting the card to me, so I should have it day after tomorrow! Really awesome!



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