Posted by Dave/MS on 6/11/04 7:44am
Msg #2979

ID

When a spouse's id in in her maiden name and all you are shown is a COPY of the marriage license. They had been married 17 years. The marriage license was not a certified copy. Is this acceptable as id? Since it was not a certified copy I would not accept it. Felt uneasy about the situation.

Reply by Art_MD on 6/11/04 8:23am
Msg #2982

I would have accepted it after checking to see if signatures were similar. ID doesn't have to be original. But, since you felt that this didn't meet your standard of proof of identity, you had a right to refuse to accept it. I'm surprised that her maiden name wasn't on the paperwork. Or, was it.

Reply by Jan Kohake on 6/11/04 10:32am
Msg #2984

Are you talking about signing loan docs? How is the Deed of Trust vested. In both names? In other words, does the ID match the name on the docs? I've had this situation before and what I did was get two credible witnesses to identify the borrower. They have to have proper government-issued ID, have to sign your journal and have their thumb-print taken. The ID can be in the maiden name but it also has to be that way on the docs being signed.

Reply by Dave/MS on 6/11/04 12:12pm
Msg #2991

The DOT was in her married name. All Docs were in married name. Didn't know if I could get credible witnesses in the area I was in. Just wanted to get docs signed and out of there before it got dark. I am not afraid of most areas, being retired from the US Navy as a Chief, but this area was someting else.

Reply by NSA in WA on 6/15/04 12:49am
Msg #3049

Check your state's ID requirements

You are right to refuse to accept a copy of a marriage license. For many reasons. For one: it would be hard for you to know whether it was a copy of a real or forged license.

Take a look at your notary regulations. If they are not clear (many aren't), call your Secretary of State or whichever agency licenses your state's notaries to ask for advice.

Many states require that an ID:
*be government issued
*have a photo of the bearer
*have an expiration date
*have an ID number

I wouldn't accept an ID where its name does not match the name on the docs, especially the Deed of Trust.

That is why my state will not allow SocSec cards. And I could not use a marriage certificate.

For secondary ID, I like to use a Costco card (name, photo, ID number) or a health insurance card (SocSec # usually used).

I had a recent loan where the lender got the last name wrong. (They confused the middle name with the last name.) I warned them before and after. They told me to go ahead. I had the borrower list extra names on the Name/Signature Affidavit to try to help the lender close the loan.

These ID/Name questions can be tricky.