Twice now I have failed the "Identity" test these jack hole websites are using. They ask me questions about places I have worked or cars I have owned and I never get them right.

Apparently someone is running around in a bunch of shitty cars with my name on the bill but apparently they always pay on time because there has never been any hits on my credit.

Seriously, where do they get this shit?

It helps if you have a copy of your credit report already. I just did that today for my credit reports.

When was the latest auto loan originated?
What street are you associated with?
Which of these counties have you lived in?

Except for the auto loan since it was a long time ago, I didn't have any problem with it.

If it's security questions for each web site, I write down the questions and my answers in code on a post-it note (actually, maybe not the post-it note).

"What is your name"...

https://www.youtube.com/watch?v=pWS8Mg-JWSg

You know, the answer could always just be "Steve". No matter the question.

It depends.

On some websites, you input your own answers when you create the account. For example, upon account creation, they might ask you "What was your first job?" or "What was your favorite car?". The answers you supply are then kept in their database, and these questions are then asked again when you're trying to access your account later, like trying to reset your password, with your response compared to the answer you provided before.

With other types of accounts, typically those involving the government or financial institutions, the answers are pulled from your credit report. These are typically multiple-choice questions. You might be asked questions like "Which of these streets have you been associated with?" or "Which of these banks have you had an account with the longest?", with your response compared to the info from your credit report.

 
If you have a credit freeze in place, you will never pass these online identity checks, as they refer back to the credit bureaus to verify your answers. For creating a Social Security login, I had to unfreeze my credit long enough to complete the process. In the case of the USPS, for "informed email", I had to verify myself, and they offered "in person" identity verification, for which I had to travel to Sun City West to complete. Beats the "unfreezing" process.
 

Security so good, even you can't get in

I kept getting one wrong & they weren't budging on it. I found out later it was a street my wife lived on forty years ago. How in hell would I have known that?

I had one the other day where the question was "which of these people have lived in your household" or something like that. I didn't know any of the names, but picked one, and it worked.

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I had one the other day where the question was "which of these people have lived in your household" or something like that. I didn't know any of the names, but picked one, and it worked.

Just curious. Were the names Jim, DaHideous, and Shumarra? I had that one.

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Originally posted by ravens1775:
Security so good, even you can't get in

Had this recently with Capital One setting new hurdles. They require you to enter a phone number to verify identity. Of course, the numbers actually ON the account profile won't work simply by matching those up, they are trying to match the phone number with the service provider and your name.

That's all fine and dandy but my two numbers on the account are Google Voice number and a VZW number paid by employer. So none of them work, no other way to get around with other challenges.

Call, agent on phone is struggling to come up with ANY other solution. While talking I plug in wife's cell with is in her name (it's not a joint Capital One account and they've never seen this number) and it works.

Idiots.

State Farm is bad about giving multiple choice questions but luckily they also give you the option of getting a temporary security code by text which is the one I use .

I always use "none", "nothing", "nowhere" & "nobody". Why would I want to give real info except to my bank? I also keep an Excel spreadsheet for all passwords, which is now over 200 lines long. Even with all that, I tried to get into my account with AT&T yesterday. AT&T's new & improved security locked me out & i finally gave up. If someone hacks into my AT&T account they are welcome to pay my bill.