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.