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I once had a nightmare set of one where I was setting things up over the phone and had to do KBAs, and asked me who held my Auto Loan. A. Who has my loan has ch

I once had a nightmare set of one where I was setting things up over the phone and had to do KBAs, and asked me who held my Auto Loan. A. Who has my loan has changed since I got it originally. B. The options they gave were (Names changed) Wachovia, Ally Bank, Ally Bank Inc, Ally Bank of New York, where the original lender was Wachovia, and I know it got sold to Ally at some point. I literally have no way to know which one of these they think is correct. At least 2 of them were correct at some point, depending on how up-to-date the data was, and the last three were indistinguishable, even when looking at my actual statements for my loan... So I failed out of my KBAs 4 straight times because they kept giving different variants of the same question, just with different sets of answers, until I could venn diagram out which one must be right because it was the only one that came up in all 4.

astura 8y ago
They really are piss poor low hanging fruit level of effort. I once I got a question asking which car I owned with four answers and I had owned two cars listed... Then, of course, what if you get a question about your sister when she's toxic and you've cut her out of your life. Or even just naturally lost touch with her over the years.
lscotte 8y ago
I had something like this happen to me while getting a phone plan. I have great credit, and was working for a well known silicon valley tech company with great pay, but because I couldn't remember the exact month I started a job over 25 years ago, I could only get a prepay plan. It was almost amusing.
wool_gather 8y ago
The TransUnion questions in particular seem to have a reputation online for being confusingly unanswerable. I've been presented with sets where not one of the available answers was correct, and I had no idea what they expected of me. Of course I "failed", twice in a row.

astura 8y ago

They really are piss poor low hanging fruit level of effort. I once I got a question asking which car I owned with four answers and I had owned two cars listed... Then, of course, what if you get a question about your sister when she's toxic and you've cut her out of your life. Or even just naturally lost touch with her over the years.

lscotte 8y ago

I had something like this happen to me while getting a phone plan. I have great credit, and was working for a well known silicon valley tech company with great pay, but because I couldn't remember the exact month I started a job over 25 years ago, I could only get a prepay plan. It was almost amusing.

wool_gather 8y ago

The TransUnion questions in particular seem to have a reputation online for being confusingly unanswerable. I've been presented with sets where not one of the available answers was correct, and I had no idea what they expected of me. Of course I "failed", twice in a row.