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> The best systems I have seen are the ones that use your credit history to ask you several questions Given how bad the credit companies are at distinguishing
by drb91 7y ago
> The best systems I have seen are the ones that use your credit history to ask you several questions
Given how bad the credit companies are at distinguishing me and my father (we share a name), I don't have much faith in this process either. What if you don't have a credit history?
Realistically most businesses don't have a need to pin an identity to a real-world person.
- astura 7y agoThey come from other sources as well, such as insurance industry databases.
- MegaButts 7y agoThose can be wrong though. I've been locked out of accounts because they said I incorrectly answered questions about myself (as if they know better than me) and it took weeks and multiple hand-written letters and a physical trip to an office to get it fixed. The assumption that you have, that the system "just works" is awful. Because when it turns out the system actually doesn't work, it's a fucking clusterfuck just to get someone to listen to you because they don't believe you are who you say you are, and government issued ID is apparently insufficient. And the government seems to think I am the same person as my deceased father and grandfather because we share a name, and holy fuck is it frustrating come tax season (I have never in my life had my taxes accepted the first try and have had to physically visit the IRS before) or any time anybody tries to do any sort of background check on me.
- hawaiianbrah 7y agoCurious about the taxes. Isn’t that why you provide SSN?