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Credit Bureau can't verify issue date of SS card

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Interesting problem I am running into and want to share and wondering if anyone else here experienced or experiencing this.

 

My foreign wife tried to apply for a Macy card and kept being denied.  I checked her credit report and it has a notice saying "The issue date of the social security number that you gave us when you contacted us is not verified by the social security administration".  The Macy card appears to have been denied for this reason.  

It seems that once you initially get your SS card with VALID FOR WORK ONLY WITH DHS AUTHORIZATION and have that removed by SS Administration , they issues you are new card with new issuing dates.    Here is a similar post I found online... https://ficoforums.myfico.com/t5/General-Credit-Topics/Notice-on-my-EXPERIAN-credit-report-help-me-understand/td-p/1605466

Looks like I need to dispute this with the credit bureau reporting this.  They won't allow me to dispute this easily online.  I have to send bunch of confidential information,  Knowing Experian's past security breach history I don't want to send anything confidential to them.. I basically lost faith in these credit bureaus.  For now this is not a big problem since I added my wife as a authorized user and she doesn't have much of a credit history to get a credit card anyways even this notice is removed from the report.    I am taking care of her financially so she not have to worry about needing background checks done or getting loans so not a big problem now.  I am wondering if this will clear up on its own or I have to start writing dispute letters.  

 

 

 

 

 

 

 


 

K-1 Visa Interview:

POE :

SS Application Sent:

2017-10-17, Approved!:D

2017-12-6

2017-12-12

Married:                                                              2018-1-8

SS Card Received:                                             2018-1-16

SS Application Sent(Name Change):             2018-1-17

AOS Application Sent:                                      2018-2-8

SS Card Received (Name Change):               2018-2-12

 

AOS Application Delivered:                             2018-2-13

AOS Application Accepted:                             2018-2-22

AOS NOA1 Received:                                        2018-2-26

AOS/EAP Biometrics NOA Received:            2018-3-2

AOS/EAP Biometrics Appointment:               2018-3-12

Interview Scheduled:                                         2018-7-6  

EAP/AP Card Received:                                   2018-7-19

Original interview Date :                                     2018-8-24  (USCIS Rescheduled due to Hurricane):cry:

Rescheduled Interview Date :                           2018-10-2, Approved!!  :D

GC Received :                                                     2018-10-18 :thumbs:

SS Card Update :                                                2018-10-19

SS Card Received:                                              2018-10-26
event.png


 

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We are having problems with credit karma.  It wont let her register for it even though she has a social and is a permanent resident.  We have credit karma working on it though to find a solution. 

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You should go to your bank (or another place) and get her a secured credit card to start with so she can build som credit. 

Edited by Georgia16

K-1 + K-2:                                                                                                                                AOS from K-1 + K-2:

02/02/16....I-129F mailed to Lewisville, TX                                                                       08/25/16....AOS package mailed to Chicago, IL

02/03/16....Delivered at Lewisville, TX                                                                               08/26/16....Delivered at Chicago, IL

02/08/16....NOA1 Text & E-mail. Case sent to CSC                                                         09/01/16....NOA1 Text & E-mail

02/12/16....NOA1 Hard copy received                                                                               09/09/16....NOA1 Hard copy received

03/24/16....NOA2 (45 days)                                                                                                 09/15/16....Bio-letter received for K-1/K-2 for Sep. 26th

03/29/16....NOA2 Hard copy received                                                                               09/19/16....Bio appointment done (Walk-in)

03/31/16....Medical                                                                                                              11/01/16.....EAD/AP approved

05/26/16....Interview                                                                                                            11/16/16.....EAD/AP card received

06/10/16....Visa in hand                                                                                                       03/08/17.....AOS Approved - No interview

06/21/16....POE Atlanta                                                                                                       03/15/17.....Green cards in hand

07/30/16....Wedding                                                                                                    

                                                                                                                                       12/08/18.....ROC window opens

 

ROC from K-1 + K-2:

12/13/18....I-751 mailed to Lewisville, TX

12/14/18....Delivered at Lewisville, TX

12/19/18....Official NOA1 day

12/20/18....Text with case number. TX service center

12/24/18....NOA1/Extension letter received

 

 

 

 

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My understanding is that by being added as authorized user it helps build credit history not quickly as if you were the primary card holder but surely. 


 

K-1 Visa Interview:

POE :

SS Application Sent:

2017-10-17, Approved!:D

2017-12-6

2017-12-12

Married:                                                              2018-1-8

SS Card Received:                                             2018-1-16

SS Application Sent(Name Change):             2018-1-17

AOS Application Sent:                                      2018-2-8

SS Card Received (Name Change):               2018-2-12

 

AOS Application Delivered:                             2018-2-13

AOS Application Accepted:                             2018-2-22

AOS NOA1 Received:                                        2018-2-26

AOS/EAP Biometrics NOA Received:            2018-3-2

AOS/EAP Biometrics Appointment:               2018-3-12

Interview Scheduled:                                         2018-7-6  

EAP/AP Card Received:                                   2018-7-19

Original interview Date :                                     2018-8-24  (USCIS Rescheduled due to Hurricane):cry:

Rescheduled Interview Date :                           2018-10-2, Approved!!  :D

GC Received :                                                     2018-10-18 :thumbs:

SS Card Update :                                                2018-10-19

SS Card Received:                                              2018-10-26
event.png


 

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36 minutes ago, Ben & Katy said:

We are having problems with credit karma.  It wont let her register for it even though she has a social and is a permanent resident.  We have credit karma working on it though to find a solution. 

Becareful about Credit Karma.  I read some posts that they are not accurate.   https://www.creditkarma.com/question/new-credit-karma-is-a-joke


 

K-1 Visa Interview:

POE :

SS Application Sent:

2017-10-17, Approved!:D

2017-12-6

2017-12-12

Married:                                                              2018-1-8

SS Card Received:                                             2018-1-16

SS Application Sent(Name Change):             2018-1-17

AOS Application Sent:                                      2018-2-8

SS Card Received (Name Change):               2018-2-12

 

AOS Application Delivered:                             2018-2-13

AOS Application Accepted:                             2018-2-22

AOS NOA1 Received:                                        2018-2-26

AOS/EAP Biometrics NOA Received:            2018-3-2

AOS/EAP Biometrics Appointment:               2018-3-12

Interview Scheduled:                                         2018-7-6  

EAP/AP Card Received:                                   2018-7-19

Original interview Date :                                     2018-8-24  (USCIS Rescheduled due to Hurricane):cry:

Rescheduled Interview Date :                           2018-10-2, Approved!!  :D

GC Received :                                                     2018-10-18 :thumbs:

SS Card Update :                                                2018-10-19

SS Card Received:                                              2018-10-26
event.png


 

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My credit report says the same thing, it’s just what it says for every single ssn issued after 1995 (or something like that). It doesn’t hinder its holder getting credit cards or anything. 

She was probably denied because she doesn’t have a credit history. That happened to me 2+ years ago in my first attempt at getting a card. 

 

but as others have already suggested, going directly to your bank (where you’re an account holder) will be a more successful approach. It worked for me.


07/09/2018: ROC packet sent with USPS 2-day priority shipping

07/11/2018: ROC packet delivered to the Vermont Service Center

07/16/2018: NOA1 received by mail with 18 months extension (notice date 7/12 and check cashed)

08/07/2018: Biometrics appointment letter received by mail (notice date 7/27)

08/13/2018: Biometrics appointment at east Hartford, ct

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I would dispute it. Experian is a cloak and dagger outfit, they are the hardest one to settle a dispute with. It took me two years of back and forth with them to get some wrong information taken off. If you do not dispute it, it will stay in the record.

Good Luck

Craig

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15 hours ago, p-ana said:

My credit report says the same thing, it’s just what it says for every single ssn issued after 1995 (or something like that). It doesn’t hinder its holder getting credit cards or anything. 

She was probably denied because she doesn’t have a credit history. That happened to me 2+ years ago in my first attempt at getting a card. 

 

but as others have already suggested, going directly to your bank (where you’re an account holder) will be a more successful approach. It worked for me.

When I convert my bank account to a joint account will that finally make something show up on her credit report?

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Joint bank account. Secured credit card (Credit One, etc.). Buy something on installment and pay it off on a consistent basis (don't pay off early and don't be late with payments) - but make sure they report to credit agencies. Credit is built slowly. Adding someone as an authorized card user does zero for the second user - it does not build their credit.

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28 minutes ago, WandY said:

Joint bank account. Secured credit card (Credit One, etc.). Buy something on installment and pay it off on a consistent basis (don't pay off early and don't be late with payments) - but make sure they report to credit agencies. Credit is built slowly. Adding someone as an authorized card user does zero for the second user - it does not build their credit.

Credit card companies like Citi Bank. CHASE report authorized users to credit bureau.  My foreign wife's credit report already shows the credit card use. 


 

K-1 Visa Interview:

POE :

SS Application Sent:

2017-10-17, Approved!:D

2017-12-6

2017-12-12

Married:                                                              2018-1-8

SS Card Received:                                             2018-1-16

SS Application Sent(Name Change):             2018-1-17

AOS Application Sent:                                      2018-2-8

SS Card Received (Name Change):               2018-2-12

 

AOS Application Delivered:                             2018-2-13

AOS Application Accepted:                             2018-2-22

AOS NOA1 Received:                                        2018-2-26

AOS/EAP Biometrics NOA Received:            2018-3-2

AOS/EAP Biometrics Appointment:               2018-3-12

Interview Scheduled:                                         2018-7-6  

EAP/AP Card Received:                                   2018-7-19

Original interview Date :                                     2018-8-24  (USCIS Rescheduled due to Hurricane):cry:

Rescheduled Interview Date :                           2018-10-2, Approved!!  :D

GC Received :                                                     2018-10-18 :thumbs:

SS Card Update :                                                2018-10-19

SS Card Received:                                              2018-10-26
event.png


 

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On 12/5/2018 at 9:50 AM, Ben & Katy said:

When I convert my bank account to a joint account will that finally make something show up on her credit report?

Not for joint checking/ savings accounts. If you add her to a credit card, then, yes, most likely it will very soon after


07/09/2018: ROC packet sent with USPS 2-day priority shipping

07/11/2018: ROC packet delivered to the Vermont Service Center

07/16/2018: NOA1 received by mail with 18 months extension (notice date 7/12 and check cashed)

08/07/2018: Biometrics appointment letter received by mail (notice date 7/27)

08/13/2018: Biometrics appointment at east Hartford, ct

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