Why Online ID Verification Sometimes Fails

Demystifying the Snags of ID Verification

While online ID verification can be frustrating when things go wrong, it’s probably the single most important step to ensure no one’s stealing your identity or committing fraud in your name . Understanding the common reasons for ID verification issues can help you navigate these challenges more smoothly. These are some of the most frequent reasons Kikoff customers hit obstacles at the ID verification stage and what you need to know:

Credit Freezes or Suppressions

A frozen or suppressed credit file can halt verification. It’s a security measure that also means your credit report isn’t accessible. Before applying, ensure your credit is unfrozen.

Address Discrepancies

Verification can fail for a number of reasons, one of which being that your address is marked as commercial. Ensure your address details are accurate and up-to-date, reflecting a residential, not commercial, location. If you suspect ID verification may be flagging your home address as residential, you can find and contact your local USPS postmaster.

Incorrect Personal Information

Simple errors in personal details like your last name, date of birth, or Social Security number can cause failures. Double-check your application for accuracy.

Unconventional Previous Addresses

Using a hotel or temporary residence as a previous address can sometimes cause issues with verification, especially since so many people come and go from these addresses. Whenever possible, provide your last permanent location as your address during verification.

Fraud Markers

If your address is associated with fraud for any reason, this can also complicate verification. Keep in mind that if you’re address is associated with fraud, it doesn’t mean that you’ve done anything wrong at all. A previous resident at your address, or someone who used this address to commit fraud could trigger this kind of error. If you suspect this is affecting your verification, contact the credit bureaus directly to clear your name and address history.

Overcoming Verification Challenges with Kikoff

Whatever issue you’re facing with ID verification, Kikoff is here to help. Our goal is to support you in navigating these common hurdles, ensuring a seamless verification process so you can level up your credit game. By keeping your information current, checking for credit freezes, and using residential addresses, you can enhance the success of your online ID verification.

The information provided in this blog post is meant for informational purposes only and does not constitute financial advice. Kikoff Inc. is a financial technology company and not a bank. The Kikoff Secured Credit Card is issued by Coastal Community Bank, Member FDIC. Terms and conditions apply & individual results may vary. Make consistent on-time payments to maximize credit building potential.  Credit factors outside Kikoff, like other account balances or delinquencies, can have an impact on credit building progress.  Subject to approval via identity verifications and subject to terms and conditions. Kikoff Credit Account reported line of credit intended exclusively for credit building purposes & can be used to finance the purchase of monthly Credit Service plans and/or digital educational material via the Kikoff Store. For more information, visit our Terms and Conditions and Privacy Policy. We report to the major credit bureaus: Equifax, Experian, and TransUnion. Features, tradelines, bureau reporting, & pricing may vary depending on plan purchased. This post may contain marketing messages and advertisements in compliance with the CAN-SPAM Act. Please refer to our Secured Card and Credit Account Terms for detailed product disclaimers.

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