Lender never ever asks for ID!

emperormessia

Does anyone find it to be so disturbing that you can apply for multiple credit products and never ever get asked for an ID?

does anyone here ever get IDed? I applied for credit Saturday/ Sunday and Today none even asked for ID how is that possible?

ForumUser7

It could be you have been electronically verified ~ https://www.smartsearch.com/resources/help-centre/glossary/electronic-identity-verification

This is pretty standard now, and if you don't pass, you would then be asked for identification documents

TadleyBaggie

Check your credit reports, bound to be searches related to the credit applications made.

emperormessia

TadleyBaggie said:

Check your credit reports, bound to be searches related to the credit applications made.

I signed up to all the cra I can see searches I’m thinking you should pay attention to what i wrote again 

emperormessia

This is pretty standard now, and if you don't pass, you would then be asked for identification documents

Do you not think it It worrying all that needed is my name, dob, address 

northwalesd

No, as stated in the second post of this thread you're being electronically identified.

DullGreyGuy

emperormessia said:

Does anyone find it to be so disturbing that you can apply for multiple credit products and never ever get asked for an ID?

does anyone here ever get IDed? I applied for credit Saturday/ Sunday and Today none even asked for ID how is that possible?

Because all the credit reference agencies offer digital identification services to companies. 

The prospective lender passes all the information you have given them to a CRA and they use their data and fuzzy logic to return a probability match against who is on file plus the associated history. Ultimately the decision comes down to the lender but it can deal with you saying your name is "Rob" when you have previously listed your name as "Robert" etc

Of the services on offer, its one of the least disturbing

MorningcoffeeIV

emperormessia said:

Does anyone find it to be so disturbing that you can apply for multiple credit products and never ever get asked for an ID?

does anyone here ever get IDed? I applied for credit Saturday/ Sunday and Today none even asked for ID how is that possible?

It would be more disturbing if you were asked for ID, as it means you're at firmly at the dodgy end of the risk spectrum. 

emperormessia

It would be more disturbing if you were asked for ID, as it means you're at firmly at the dodgy end of the risk spectrum. 

Personal opinion I would rather be asked for ID especially during the onboarding similar to chase/ monzo with selfie verification. 

I gave it a second thought all I needed was my name, dob, address and some employment history to get £4k credit card not even one lender but 3, I have managed to get over 11k in credit with just that ? 

I appreciate everyone input though but I will be leaving a notice of correction on my credit file to ask for ID from now 

MorningcoffeeIV

emperormessia said:

It would be more disturbing if you were asked for ID, as it means you're at firmly at the dodgy end of the risk spectrum. 

Personal opinion I would rather be asked for ID especially during the onboarding similar to chase/ monzo with selfie verification. 

I gave it a second thought all I needed was my name, dob, address and some employment history to get £4k credit card not even one lender but 3, I have managed to get over 11k in credit with just that ? 

I appreciate everyone input though but I will be leaving a notice of correction on my credit file to ask for ID from now 

In that case, pay for a protective CIFAS marker so that automated acceptance doesn't happen and further checks are made.

Don't do it via a Notice of Correction, or you're more likely to simply get declined.

Marchitiello

emperormessia said:

I gave it a second thought all I needed was my name, dob, address and some employment history 

Pretty sure that the above is not all you needed but critically, the bank account and how long you have banked with them is one of the cross checking data point that if not matched would cause a request for ID and other proof.

You could easily find out name, address, DOB about someone, and even who they bank with, but would be very difficult to know exactly how long they have banked with such institution.