Posted by NCLisa on 4/4/07 1:58pm
Msg #183687

Requiring 2 forms of ID

I work with one company that requires copies of 2 forms of ID, and they always tell the borrower to use a credit card for the 2nd form of ID. I do not think a copy of the front and back of the credit card is a very good idea. I use a sharpie and blackout the CC number and the security numbers on the back. I really think a more appropriate 2nd form of ID is a SS card, Medical or auto insurance card, work id, etc.

Reply by MelissaCT on 4/4/07 3:18pm
Msg #183698

CT requires

2 forms of ID & SS Card CANNOT be used. When recording ID used, I only record the last 4 digits of the credit card, if that's the form of ID presented as secondary ID. Should ID be called into question, the last 4 digits would match what would be reported on a credit report.

Reply by Kim_CA on 4/4/07 3:26pm
Msg #183699

I also only use the last 4 digits if the person gives me a credit card as a second form of id. With identity theft rampant, I'd rather be safe and not possibly contribute to it happening. Especially since I don't know who has access to the forms that I'm sending back.

Reply by jojo_MN on 4/4/07 4:40pm
Msg #183710

I agree with others. Black out all but the last four digits of the number on the copy. Only write the last four on a form after three periods. (. . . 1234)

A social security card should never be used as identification. The card doesn't have any identifying information on it such as name or address. The credit cards at least had to have been issued by a financial institution so you know that it would be more current than a ss card.

Reply by NCLisa on 4/4/07 6:09pm
Msg #183722

A social security card does have a name on it. In fact it has your full first, middle and last name on it. If you get married and take your partners name, it has either your first, middle and new last name, or first, maiden, and new last name. These days, you have to go to SS Admin and change your name before you can go get a new DL. In NC, you can use it as a form of ID, but not for notarization.

The docs already have the SS number all over them, so that is nothing new. The loan app has CC account numbers on it, but if someone gets hold of the security number on the back of the card, they can do a lot of damage via the internet. I truly believe and insurance card or something like that is a far better form of ID than a CC. I can imagine the number of notaries that don't black out the numbers.

Reply by TRG_wy on 4/4/07 6:20pm
Msg #183726

SS Cards should never be used used as a form of ID. For years it states on the reverse "Not to be used for identification purposes"; as does mine.

If I must use a CC I too black out all but last four numbers. I prefer to use a Costco or Sam's Club card because they do have a photo as well.