New State Pension starting amount and full record of qualifying years- trial service

greenglide

It could be that something has happened on your credit record which has caused both the gov.uk verification to fail and the credit application, that the gov.uk service was tripped over by the same thing but did not cause it.

Maybe you need to get a copy of your credit record - (from experian?) in case something has screwed your address details?

Eco_Miser

p00hsticks wrote: »

The main concern for me is that there is going to be a point where people such as me are genuinely not going to be able to prove our identities to the satisfaction of the bureaucrats. As I don't possess either a driving licence or passport, I've not been able to even get as far as you have on this service - i was thrown out at the first page.

This worries me slightly too, but a mre interesting question is "what identity verification procedures procedures do new drivers go through? and when did evidence of driving ability turn into evidence of identity?"

gadgetmind

Maybe they are trying to steer us towards ID cards by effectively denying public services to those not prepared to jump through impossible hoops?

pandora205

When registering I was stumped by the choices of credit card as they didn't match the one I have. It was only when I looked at the back (PO) that I noticed it is issued by the Bank of Ireland that I got through that step (just in case it's useful for someone else).

SnowMan

mark88man wrote: »

I don't really believe in coincidences

20 years never having to verify beyond the application form
-- one failed verify with the new beta service
---- next application rejected

Seriously - I am as boring as it gets - everything in my life has been the same for 20 years - from a high level who am I point of view. same job, same house, same partner - why can't they verify me?

I don't know if the things are connected, if I had to guess I would say probably not. But I wouldn't rule out any possibility they are connected.

http://www.experian.co.uk/identity-and-fraud/identity-checking/prove-id.html#

How it works Prove-ID compares the customer information entered with over 1 billion records held by Experian. A decision on the authenticity of the identity is provided in real-time with an easy to interpret traffic light system. Fast and confident decisions can then be made as to whether the transaction is genuine. Auditing facilities help you to demonstrate compliance to regulation.

So let's say a bank or financial institution used experian to help with identity checking (note I'm not talking about credit rating checking) using a service such as this. Do we have any assurance that failed attempts to verify yourself via experian for the government service wouldn't form part of the decision making algorithm used by experian of whether to verify your identity for the bank or financial institution?

TheTracker

gadgetmind wrote: »

Maybe they are trying to steer us towards ID cards by effectively denying public services to those not prepared to jump through impossible hoops?

Gov.UK Verify is the ID card under different clothing. Poor, because they never really stopped the initiative but simply took away the "card". Good, because the public's privacy and state control concerns were addressed through a decentralised system where the state doesn't hold all the submitted personal information.

gadgetmind wrote: »

What a palaver! Why not allow gateway logins?

It seems verify ultimately replaces Gateway, at least for individuals.

JezR

pandora205 wrote: »

When registering I was stumped by the choices of credit card as they didn't match the one I have. It was only when I looked at the back (PO) that I noticed it is issued by the Bank of Ireland that I got through that step (just in case it's useful for someone else).

Also take care when they ask for the amount you have paid on a credit card 'recently'. In my case it took a while to work out that the payment they wanted was in the month before, not the one I had just made a couple of days ago.

mark55man

SnowMan wrote: »

I don't know if the things are connected, if I had to guess I would say probably not. But I wouldn't rule out any possibility they are connected.

http://www.experian.co.uk/identity-and-fraud/identity-checking/prove-id.html#
So let's say a bank or financial institution used experian to help with identity checking (note I'm not talking about credit rating checking) using a service such as this. Do we have any assurance that failed attempts to verify yourself via experian for the government service wouldn't form part of the decision making algorithm used by experian of whether to verify your identity for the bank or financial institution?

Exactly - I believe that is exactly what they would do. Maybe even what they should do - except that they shouldn't do it without being transparent about this BEFORE YOU EVEN START THE APPLICATION (sorry am I shouting again)

Chickereeeee

They have admitted thet the site is giving incorrect results in 'a small' number of cases, so I would not bother for now anyway. The results cannot be trusted.

C

saver861

SnowMan wrote: »

So let's say a bank or financial institution used experian to help with identity checking (note I'm not talking about credit rating checking) using a service such as this. Do we have any assurance that failed attempts to verify yourself via experian for the government service wouldn't form part of the decision making algorithm used by experian of whether to verify your identity for the bank or financial institution?

I think it depends on how you interpret failed attempts. In my own case, I got through but could not answer the Credit Card balance correctly as I have so many.

So, it failed and I could not proceed further. From memory, it did invite me to try again at a later point but I have not bothered.

It depends on how experian treats that failed attempt and if it records it for further visibility. I'm not sure it does in any form. Unless experian highlights a failed attempt, then the other institutions should not be aware of that data. That would be a question to put to Experian.

However, I would like think there is some mechanism or algorithm to detect repeated failed verification attempts to raise a red flag.