Capital One couldn't verify my details

Lightning360

I applied to Capital One after getting pre-approved on MSE, however, they, for whatever reason, can't verify my details. I gave them my passport and driving license, and a hard search has appeared on my credit report so I'm not sure what the issue was.

I've contacted them to see if they can reveal what details they couldn't verify. 

Any ideas what my next steps should be? They have said I can try reapplying, but I don't want the same issue to happen again, and I assume I would get another hard search. I could try with a different credit building card, but would getting two hard searches for credit have an impact on my credit report?

marcia_

Lightning360 said:

I applied to Capital One after getting pre-approved on MSE, however, they, for whatever reason, can't verify my details. I gave them my passport and driving license, and a hard search has appeared on my credit report so I'm not sure what the issue was.

I've contacted them to see if they can reveal what details they couldn't verify. 

Any ideas what my next steps should be? They have said I can try reapplying, but I don't want the same issue to happen again, and I assume I would get another hard search. I could try with a different credit building card, but would getting two hard searches for credit have an impact on my credit report?

 Are you registered to vote? 

Lightning360

marcia_ said:

Lightning360 said:

I applied to Capital One after getting pre-approved on MSE, however, they, for whatever reason, can't verify my details. I gave them my passport and driving license, and a hard search has appeared on my credit report so I'm not sure what the issue was.

I've contacted them to see if they can reveal what details they couldn't verify. 

Any ideas what my next steps should be? They have said I can try reapplying, but I don't want the same issue to happen again, and I assume I would get another hard search. I could try with a different credit building card, but would getting two hard searches for credit have an impact on my credit report?

 Are you registered to vote? 

Yep. Registered as soon as I was able to

marcia_

 You have given the correct name that is in the electoral roll and on any bank accounts you have ? Easy to miss spell or leave out middle names etc?

Lightning360

marcia_ said:

 You have given the correct name that is in the electoral roll and on any bank accounts you have ? Easy to miss spell or leave out middle names etc?

As far as I'm aware, I did so. The correct info appears on any mail/emails I've had from them. But I don't know what the issue actually was which is why I've asked them for clarification, although I know banks don't have to be open about this sort of thing.

marcia_

 More than likely the people answering the phone won't know anyway. Yes they keep the reasons for their decision secret 

Lightning360

marcia_ said:

 More than likely the people answering the phone won't know anyway. Yes they keep the reasons for their decision secret 

I managed to get an email address from them rather than the phone. We'll see. Bit apprehensive about applying to them again in case I just get the same issue.

Do you know what an effective next step would be? They have left a hard search on my file but I'm not entirely sure if that would impact any other applications elsewhere. 

marcia_

 I really don't know sorry.
 Hopefully one of the credit card experienced posters could answer that when they spot this thread. 

BoGoF

As part of the application process did they ask any questions about credit agreements, loans etc that would be on your credit file, eg, when did you last take out a loan, who is your most recent credit card application to? 

Had this recently and really had to think about it and for one had to go into my credit file to check dates.

Lightning360

BoGoF said:

As part of the application process did they ask any questions about credit agreements, loans etc that would be on your credit file, eg, when did you last take out a loan, who is your most recent credit card application to? 

Had this recently and really had to think about it and for one had to go into my credit file to check dates.

They didn't ask so that shouldn't be an issue, unless I happened to just miss part of the application form but I doubt it

Lightning360

Any ideas if applying for a credit card elsewhere would be a good idea? It would have to be a credit-builder card as I haven't really had much credit beforehand.