You should be prepared to provide accurate answers to questions about your personal and financial history. You will not be asked about all of these issues, but having this information handy will be helpful.
- Addresses of current and past residences
- Names of counties resided in, past and present
- Auto ownership—Details of the car, the license plate, and any auto loans
- Credit cards—Name of lenders, year and month the account was opened
- Mortgages—Name of the lenders, amount of mortgage, and the term (the number of months or years) of the loan
- Loans (including Auto, Student, and Home Equity Loans)—including the name of the lender, amount of loan, and term (the number of months or years) of the loan
About 85-90% of people that apply through the ID.me Identity Proofing process pass without issue. If you do not pass the first time, you can try adding a middle name, suffix, Social Security number, or credit card to improve your chances of passing the first step of ID proofing.
If you get a message that tells you that your identity couldn’t be verified, it simply means that we couldn’t match all of the information you provided with the information available in the electronic records we use for verification. It does not mean that we will not be able to verify your identity, but that we need to take some additional steps to do so.
Some reasons why you may not be able to pass ID proofing include, but are not limited to:
- If you have moved within the last year
- If you have changed your legal name
- If there is erroneous information in your credit file
- If you already have verified your identity with ID.me
- If the information entered is incorrect or mistyped
- If you continue to fail the identity proofing process, we recommend you obtain a copy of your credit report and confirm the information you are entering matches the information on your credit report.