Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Proof of Permanent Residency or Citizenship for CC App
Old 07-21-2008, 05:26 PM   #1
Full time employment: Posting here.
flipstress's Avatar
Join Date: Jun 2004
Posts: 537
Proof of Permanent Residency or Citizenship for CC App

The LL Bean credit card I have was discontinued, so I applied for the new one to avail of the free shipping.

I applied online but got a letter back saying:
Because of information contained in your credit bureau report, we must verify that you are a permanent resident or citizen of the United States.

Then it goes on to ask me to provide them via mail within 30 days some proof such as copy of US birth cert, cert of naturalization, copy of US passport, or other proof; otherwise, they won't consider my application.

Is there a new law now that requires this proof before being granted a credit card? I have not ever had to provide proof of permanent residency or citizenship before.

I also reviewed my TransUnion credit history report which they cited but could not see what trigger information they were referring to. I suppose I can call TransUnion and ask what info they provided about my citizenship status.

Has anyone else applied recently for a card and been asked for this kind of proof? I guess I am wondering if giving them even more info about me would make it worse for me were I ever to become a subject/victim of identity theft.

flipstress is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 07-21-2008, 05:38 PM   #2
Moderator Emeritus
Join Date: May 2007
Posts: 10,692
I applied for a card last month and although they did say they might require me to prove my identity before they could complete my application, they never did. They never asked about my citizenship status either.

42 y/o, married, retirement portfolio = 43 x annual expenses
FIREd is offline   Reply With Quote
Old 07-21-2008, 05:56 PM   #3
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jul 2003
Location: Kansas City
Posts: 7,324
Remember this forum and the 0% interest/invest the diff in MM and earn interest game a while back? Even though I stopped doing that -

My credit rating has been downgraded severely recently - I have way too much credit for my 'cheap bastard income'.

Sub prime and all that - we are seeing some very strange perturbations - it makes me wonder if the guys in charge of these corporations have all the cards in their deck.

heh heh heh -
unclemick is offline   Reply With Quote
Late Update
Old 08-12-2008, 09:31 AM   #4
Full time employment: Posting here.
flipstress's Avatar
Join Date: Jun 2004
Posts: 537
Late Update

I was stoozing, too, but I paid off all my balances this year. I never pay for my credit report so I don't know if my score was lowered because of stoozing.

Within the last few weeks, I called Trans Union, who said that they reveal no immigration/citizenship info on the credit report. I got free copies of my Trans Union credit report and I confirmed this.

I also called the FDIC Consumer Response Center and the person to whom I talked said that there is no new law, that financial institutions have always been able to do this--ask for immigration/citizenship documentation--although they do not always exercise it. She said that maybe my SSN triggered the query.

I don't know why the bank just did not state what specific piece of data was the trigger, instead of the general clause "because of information contained in your credit report".

I haven't called the bank. There is no phone number that I could easily find for it. I also haven't decided if I will send them a copy of my passport pages.

Oh well, that adds another unresolved issue in my life, although it is a minor one--losing free shipping for LL Bean.
flipstress is offline   Reply With Quote
Old 08-12-2008, 10:11 AM   #5
MichaelB's Avatar
Join Date: Jan 2008
Location: On the road again
Posts: 21,121
It's most likely the USA Patriot Act. It placed a legal burden on financial institutions to verify the identify of account holders and many use - and abuse - the USAPA to request info and data not directly required for other purposes. No law prevents that, nor does the Patriot Act, but it is a convenient excuse when one challenges a specific data request.

For a financial account domiciled in the US with a valid SS number there is no additional legal requirement to provide residency or citizenship - this is entirely at the initiative of the institution.

MichaelB is offline   Reply With Quote
Old 08-12-2008, 08:54 PM   #6
Thinks s/he gets paid by the post
Join Date: Aug 2004
Location: Laurel, MD
Posts: 2,292
I would call and ask for someone in the retention dept if there is such a thing or LL Bean Customer Service and maybe they can help. I often get the impression the financial side gets overzelous and drives good customers away rather than enhancing the retail side.
jazz4cash is offline   Reply With Quote
Old 08-13-2008, 06:34 AM   #7
Thinks s/he gets paid by the post
Texarkandy's Avatar
Join Date: Feb 2008
Posts: 1,281
Perhaps someone is working/living under your SS# (i.e - one of the 20 million + illegal aliens in this country) but not using your identity for credit (yet) . Evidence of this can show up on one of a number of private data mining services the CC company might be using. Americans with Hispanic surnames are more susceptible to this happening to them, but nobody is immune.

Go visit Social Security and tell them you suspect someone may be using your SS #. Ask them to screen your account for "scrambled earnings". ("scrambled earnings" is when an SS account shows employers in different areas of the country reporting income on the same SS# at the same time) You may find out you have a job at a furniture plant in N. Carolina and another at a chicken plant in Arkansas.
Retired 2009!
Texarkandy is offline   Reply With Quote
Old 08-13-2008, 05:03 PM   #8
Thinks s/he gets paid by the post
Join Date: Jan 2004
Posts: 2,049
Don't forget to get your credit report from the fourth credit agency, Innovis. They don't like to advertise, so you may have to jump through hoops to get it.
eridanus is offline   Reply With Quote
Old 08-19-2008, 04:18 AM   #9
Confused about dryer sheets
Join Date: Aug 2008
Location: Indore
Posts: 6
Send a message via Yahoo to finvik
i dont know but when i was trying for a credit card they had asked for my residential status and documents i gave it them. i got my card only after that
finvik is offline   Reply With Quote
Old 08-19-2008, 04:55 AM   #10
Thinks s/he gets paid by the post
Rambler's Avatar
Join Date: Jul 2007
Posts: 2,081
I just got a new card from my brokerage's affiliated bank via online application...I hit the send button before I finished the application, but a few days later the card shows up. Didn't even get as far as the SS# on the app. On the other hand, I had an LL Bean CC account, which is now a BofA account. They keep increasing my credit limit...fine, but whenever I make a big purchase or try to use the card in a new country, it is very inconveniently denied, and I have to call them and wait on hold for 30 minutes to explain to someone that I am in Hong Kong buying furniture and I really really need my CC to work....pain in the @$$, and very costly from a hotel phone.

Rambler is offline   Reply With Quote
Old 08-19-2008, 01:00 PM   #11
Recycles dryer sheets
mews's Avatar
Join Date: May 2008
Posts: 476
Off thread topic, but...

Rambler, before I went to Japan last year, I called my credit card company to say, "yes, I'm going overseas, and you will be seeing charges. Make a note, please."

I had no problems.


mews is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Citizenship & Taxes Trek Other topics 3 12-23-2007 06:03 AM
Need more proof that EIAs stink? mickeyd FIRE and Money 0 06-03-2007 10:58 AM
If you need proof that an efficient market doesn't exist... Olav23 FIRE and Money 7 05-22-2007 07:02 PM
Neat little software app BristolBane Other topics 30 06-11-2005 02:47 PM


All times are GMT -6. The time now is 02:20 PM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.