Discussion:
Cellphone without SSN
(too old to reply)
Lucky225
2004-01-14 07:40:17 UTC
Permalink
Just wanted everyone to know that you can get a CONTRACT cellphone
through AT&T, and credit in general without providing your SSN.. Need
proof?


www.verizonfears.com/credit.jpg -- my credit report(notice SSN is
missing)
www.verizonfears.com/wells.jpg -- credit rating from wellsfargo
www.verizonfears.com/nossn.jpg -- letter confirming no SS# on my
credit card.
Rod
2004-01-16 22:10:38 UTC
Permalink
Do you just not have a SSN or just refuse to give it to them?
What do they say if you tell them you don't have one or are just refusing to
give it to them? When I say "they or them "
I'm referring to those that ask for your number.

Lucky225 wrote:
:: Just wanted everyone to know that you can get a CONTRACT cellphone
:: through AT&T, and credit in general without providing your SSN.. Need
:: proof?
::
::
:: www.verizonfears.com/credit.jpg -- my credit report(notice SSN is
:: missing)
:: www.verizonfears.com/wells.jpg -- credit rating from wellsfargo
:: www.verizonfears.com/nossn.jpg -- letter confirming no SS# on my
:: credit card.
John S.
2004-01-17 12:11:38 UTC
Permalink
Post by Rod
Do you just not have a SSN or just refuse to give it to them?
He's just not realizing that all they need is his name and address. They got it
whether he provided it or not.

--
John S.
e-mail responses to - john at kiana dot net
xw
2004-01-16 22:52:57 UTC
Permalink
Sounds like a crock of shit to me.. how are you supposed to get any type of
credit without a ssn provided..

get real
Post by Lucky225
Just wanted everyone to know that you can get a CONTRACT cellphone
through AT&T, and credit in general without providing your SSN.. Need
proof?
www.verizonfears.com/credit.jpg -- my credit report(notice SSN is
missing)
www.verizonfears.com/wells.jpg -- credit rating from wellsfargo
www.verizonfears.com/nossn.jpg -- letter confirming no SS# on my
credit card.
Andy M --Tampa Bay--
2004-01-16 23:55:23 UTC
Permalink
Its California. These are the people who elected Arnie and made geniuses out
of Floridians.
Wonders never cease, always amaze.
Post by xw
Sounds like a crock of shit to me.. how are you supposed to get any
type of credit without a ssn provided..
get real
Post by Lucky225
Just wanted everyone to know that you can get a CONTRACT cellphone
through AT&T, and credit in general without providing your SSN..
Need proof?
www.verizonfears.com/credit.jpg -- my credit report(notice SSN is
missing)
www.verizonfears.com/wells.jpg -- credit rating from wellsfargo
www.verizonfears.com/nossn.jpg -- letter confirming no SS# on my
credit card.
Ekim Namkraps
2004-01-17 02:35:58 UTC
Permalink
It can be done. I worked for SunCom and AT&T and activated several people
without a SSN. You have to do a manual credit review, but your credit
worthiness can be checked without a SSN.
Post by xw
Sounds like a crock of shit to me.. how are you supposed to get any type of
credit without a ssn provided..
get real
Post by Lucky225
Just wanted everyone to know that you can get a CONTRACT cellphone
through AT&T, and credit in general without providing your SSN.. Need
proof?
www.verizonfears.com/credit.jpg -- my credit report(notice SSN is
missing)
www.verizonfears.com/wells.jpg -- credit rating from wellsfargo
www.verizonfears.com/nossn.jpg -- letter confirming no SS# on my
credit card.
John S.
2004-01-17 12:12:41 UTC
Permalink
Post by Ekim Namkraps
It can be done. I worked for SunCom and AT&T and activated several people
without a SSN. You have to do a manual credit review, but your credit
worthiness can be checked without a SSN.
And the SSN shows up on the credit report. Trust me - whether you give it or
not it is obtained!

--
John S.
e-mail responses to - john at kiana dot net
What's In A Name?
2004-01-17 17:08:28 UTC
Permalink
You are right. Now I think of it, I've had a person in the credit
department even tell me such.
Post by John S.
Post by Ekim Namkraps
It can be done. I worked for SunCom and AT&T and activated several people
without a SSN. You have to do a manual credit review, but your credit
worthiness can be checked without a SSN.
And the SSN shows up on the credit report. Trust me - whether you give it or
not it is obtained!
--
John S.
e-mail responses to - john at kiana dot net
Lucky225
2004-01-17 20:45:09 UTC
Permalink
The SSN only apears on your credit report if you have given it out to
other creditors!! The credit bueros only know what you have told
you're creditors, the first time you ever aplied for credit you most
likely stupidly gave the creditor your SSN, when the creditor then
tried to make a credit inquiry w/ the credit buero of your choice, the
credit buero said 'mmmmmm fresh meat!' the buero then cross-referenced
the SSN w/ every other SSN in it's database to make sure that that SSN
is not one that is already in use. Once it determined that a credit
report was established for you and your SSN apeared in this report.
How do I know this for sure? Because that's exactly what happened w/
Wells Fargo, they used my SSN from my checking account since I did not
supply one, well when I got my credit card I refused to activate it
until the representative agreed to erase my SSN. My next step was to
obtain a credit report, once I noticed that my SSN was displayed in my
credit headers I threatened transunion by telling them that the SSN is
incorrect and that they must remove it pursuant to the FCRA, I also
told them that there is no law requiring me to submit my SSN to them
to correct this inaccurate information, that they have 30 days to
investigate and remove the inaccurate information. After the rep at
transunion spoke to her supervisor, she said with assurance "We will
'temporarily' remove your SSN, but your creditors are just going to
report it to us anyways" Once my SSN was removed Wells Fargo has been
reporting for a year now, I have a transunion score of 692, and a
cellphone with no SSN. WHY? Because transunion doesn't know my SSN
and my creditors don't know it to give it to transunion, so every one
is happy :)
Post by John S.
Post by Ekim Namkraps
It can be done. I worked for SunCom and AT&T and activated several people
without a SSN. You have to do a manual credit review, but your credit
worthiness can be checked without a SSN.
And the SSN shows up on the credit report. Trust me - whether you give it or
not it is obtained!
Scott Stephenson
2004-01-17 21:07:08 UTC
Permalink
Post by Lucky225
The SSN only apears on your credit report if you have given it out to
other creditors!! The credit bueros only know what you have told
you're creditors, the first time you ever aplied for credit you most
likely stupidly gave the creditor your SSN, when the creditor then
tried to make a credit inquiry w/ the credit buero of your choice, the
credit buero said 'mmmmmm fresh meat!' the buero then cross-referenced
the SSN w/ every other SSN in it's database to make sure that that SSN
is not one that is already in use. Once it determined that a credit
report was established for you and your SSN apeared in this report.
How do I know this for sure? Because that's exactly what happened w/
Wells Fargo, they used my SSN from my checking account since I did not
supply one, well when I got my credit card I refused to activate it
until the representative agreed to erase my SSN. My next step was to
obtain a credit report, once I noticed that my SSN was displayed in my
credit headers I threatened transunion by telling them that the SSN is
incorrect and that they must remove it pursuant to the FCRA, I also
told them that there is no law requiring me to submit my SSN to them
to correct this inaccurate information, that they have 30 days to
investigate and remove the inaccurate information. After the rep at
transunion spoke to her supervisor, she said with assurance "We will
'temporarily' remove your SSN, but your creditors are just going to
report it to us anyways" Once my SSN was removed Wells Fargo has been
reporting for a year now, I have a transunion score of 692, and a
cellphone with no SSN. WHY? Because transunion doesn't know my SSN
and my creditors don't know it to give it to transunion, so every one
is happy :)
If you're stupid enough to think that Transunion still doesn't have your
SS#, keep dreaming. And dealing with the one bureau is great, but what
about the other reporting bureaus- the ones that still have your SS# and
report it?
Lucky225
2004-01-18 02:57:46 UTC
Permalink
I'm not stupid enough to believe it, I have a hard copy of the fucking
report, the first copy I ordered when Wells Fargo had made their
original inquiry has my SSN in the header, all the copies I have
obtained since transunion told me they erased it do not display
anything. In fact while we're on the subject of this I actually
called AT&T wireless earlier today to have them re-evaluate my credit.
They put an inquiry on all 3 bueros, and I asked the rep, 'Doesn't my
experian and equifax credit headers have my SSN?' as I am in the
middle of arguing with them sending them packets in the mail back and
forth, he told me as far as he can see my experian file the SSN is
'blank' and equifax shows 999-99-9999 as my SSN, and transunion
obviously as you can see from the links I posted, is
blank.(www.verizonfears.com/credit.jpg The only thing I edited was my
information, you can even see through to the back of this page so I
didn't just color over it with white) Now then, I also spoke to Wells
Fargo earlier today because I have friends that are turning 18 and
have never applied for credit, wells fargo told me they would have no
problem opening a secured credit card account for these people w/o
supplying an SSN, obviously after 1 year they could upgrade to
unsecured just like me and have all of that credit reported to all 3
bueros, the fact of the matter is if you don't give your SSN to your
creditors the bueros wont have it as that is where they obtain your
information from in the first place!
Post by Scott Stephenson
Post by Lucky225
The SSN only apears on your credit report if you have given it out to
other creditors!! The credit bueros only know what you have told
you're creditors, the first time you ever aplied for credit you most
likely stupidly gave the creditor your SSN, when the creditor then
tried to make a credit inquiry w/ the credit buero of your choice, the
credit buero said 'mmmmmm fresh meat!' the buero then cross-referenced
the SSN w/ every other SSN in it's database to make sure that that SSN
is not one that is already in use. Once it determined that a credit
report was established for you and your SSN apeared in this report.
How do I know this for sure? Because that's exactly what happened w/
Wells Fargo, they used my SSN from my checking account since I did not
supply one, well when I got my credit card I refused to activate it
until the representative agreed to erase my SSN. My next step was to
obtain a credit report, once I noticed that my SSN was displayed in my
credit headers I threatened transunion by telling them that the SSN is
incorrect and that they must remove it pursuant to the FCRA, I also
told them that there is no law requiring me to submit my SSN to them
to correct this inaccurate information, that they have 30 days to
investigate and remove the inaccurate information. After the rep at
transunion spoke to her supervisor, she said with assurance "We will
'temporarily' remove your SSN, but your creditors are just going to
report it to us anyways" Once my SSN was removed Wells Fargo has been
reporting for a year now, I have a transunion score of 692, and a
cellphone with no SSN. WHY? Because transunion doesn't know my SSN
and my creditors don't know it to give it to transunion, so every one
is happy :)
If you're stupid enough to think that Transunion still doesn't have your
SS#, keep dreaming. And dealing with the one bureau is great, but what
about the other reporting bureaus- the ones that still have your SS# and
report it?
Scott Stephenson
2004-01-18 03:05:57 UTC
Permalink
Post by Lucky225
I'm not stupid enough to believe it, I have a hard copy of the fucking
report, the first copy I ordered when Wells Fargo had made their
original inquiry has my SSN in the header, all the copies I have
obtained since transunion told me they erased it do not display
anything. In fact while we're on the subject of this I actually
called AT&T wireless earlier today to have them re-evaluate my credit.
They put an inquiry on all 3 bueros, and I asked the rep, 'Doesn't my
experian and equifax credit headers have my SSN?' as I am in the
middle of arguing with them sending them packets in the mail back and
forth, he told me as far as he can see my experian file the SSN is
'blank' and equifax shows 999-99-9999 as my SSN, and transunion
obviously as you can see from the links I posted, is
blank.(www.verizonfears.com/credit.jpg The only thing I edited was my
information, you can even see through to the back of this page so I
didn't just color over it with white) Now then, I also spoke to Wells
Fargo earlier today because I have friends that are turning 18 and
have never applied for credit, wells fargo told me they would have no
problem opening a secured credit card account for these people w/o
supplying an SSN, obviously after 1 year they could upgrade to
unsecured just like me and have all of that credit reported to all 3
bueros, the fact of the matter is if you don't give your SSN to your
creditors the bueros wont have it as that is where they obtain your
information from in the first place!
So, let me understand this- are you saying that you can open an account with
a financial institution without a SS#?
Rod
2004-01-18 03:51:05 UTC
Permalink
Scott Stephenson wrote:
:: So, let me understand this- are you saying that you can open an
:: account with a financial institution without a SS#?

Yes you can. I know people who are in the Patriot movement that don't
have Social Security Numbers and they have bank accounts and credit cards.
Some of them don't even have drivers license and birth certificates.
Scott Stephenson
2004-01-18 04:37:57 UTC
Permalink
Post by Rod
:: So, let me understand this- are you saying that you can open an
:: account with a financial institution without a SS#?
Yes you can. I know people who are in the Patriot movement that don't
have Social Security Numbers and they have bank accounts and credit cards.
Some of them don't even have drivers license and birth certificates.
How is the interest from these accounts reported to the IRS?
Scott Stephenson
2004-01-18 04:41:23 UTC
Permalink
Post by Rod
:: So, let me understand this- are you saying that you can open an
:: account with a financial institution without a SS#?
Yes you can. I know people who are in the Patriot movement that don't
have Social Security Numbers and they have bank accounts and credit cards.
Some of them don't even have drivers license and birth certificates.
Guess I should have read a little more closely- the Patriot movement puts
themselves above the law.
Lucky225
2004-01-18 07:53:47 UTC
Permalink
You can open a secured credit card account and graduate to unsecure
after 1 year (if your account is in good standing) without proving a
SSN, the Patriot Act does not bar banks from opening accounts without
SSN. Visit www.verizonfears.com/banknossn.rtf ... Further credit
cards are not tax deductable and there is no need to supply a Tax ID
number to obtain one, you simply need to prove your identity (2 forms
of ID, does not necessarily need to be a SSN)and credit worthiness. I
currently hold an unsecured platinum visa from Wells Fargo and my
social security number is not on it, as you can see in
www.verizonfears.com/nossn.jpg and www.verizonfears.com/wells.jpg, and
Wells Fargo is reporting my credit without SSN. My (now closed)
checking account of course had my SSN and that is how Wells Fargo
obtained it initially since they foolishly thought they would need it
to run my credit, but as I stated I refused to activate the card until
the representative deleted it. I then had to fight the beuraus
threatening them with the FCRA to erase my SSN from their records.
But a person who has never obtained credit before would not have to go
through the drama I went through, all they would have to do is never
open a checking or savings account and apply for a secure credit card
at Wells Fargo without SSN and graduate to unsecure after one year.
Building credit without SSN to many people seems to troublesome, but
if you teach your freinds and children to do this it will extremely
cut down on identity theft if you think about it, as no one will be
able to obtain instant credit without identification, such as applying
for credit over the phone or the internet where the main form of
identification is SSN. If your creditors and the big 3 only have your
name and address then no one inside these companies can steal your SSN
to obtain credit in your name. A lot of people tell me I'm just
making it hard on myself as I will never be able to buy a
house(mortgage is tax deductable, so I won't be able to apply for
mortgage loan w/o giving a tax id number, i.e. SSN), but I have at the
very least obtained a credit card and a cellphone, I plan on getting
an apartment next and then a car..we'll see how it goes.
Post by Scott Stephenson
Post by Lucky225
I'm not stupid enough to believe it, I have a hard copy of the fucking
report, the first copy I ordered when Wells Fargo had made their
original inquiry has my SSN in the header, all the copies I have
obtained since transunion told me they erased it do not display
anything. In fact while we're on the subject of this I actually
called AT&T wireless earlier today to have them re-evaluate my credit.
They put an inquiry on all 3 bueros, and I asked the rep, 'Doesn't my
experian and equifax credit headers have my SSN?' as I am in the
middle of arguing with them sending them packets in the mail back and
forth, he told me as far as he can see my experian file the SSN is
'blank' and equifax shows 999-99-9999 as my SSN, and transunion
obviously as you can see from the links I posted, is
blank.(www.verizonfears.com/credit.jpg The only thing I edited was my
information, you can even see through to the back of this page so I
didn't just color over it with white) Now then, I also spoke to Wells
Fargo earlier today because I have friends that are turning 18 and
have never applied for credit, wells fargo told me they would have no
problem opening a secured credit card account for these people w/o
supplying an SSN, obviously after 1 year they could upgrade to
unsecured just like me and have all of that credit reported to all 3
bueros, the fact of the matter is if you don't give your SSN to your
creditors the bueros wont have it as that is where they obtain your
information from in the first place!
So, let me understand this- are you saying that you can open an account with
a financial institution without a SS#?
Scott Stephenson
2004-01-18 15:53:02 UTC
Permalink
Post by Lucky225
You can open a secured credit card account and graduate to unsecure
after 1 year (if your account is in good standing) without proving a
SSN, the Patriot Act does not bar banks from opening accounts without
SSN. Visit www.verizonfears.com/banknossn.rtf ... Further credit
cards are not tax deductable and there is no need to supply a Tax ID
number to obtain one, you simply need to prove your identity (2 forms
of ID, does not necessarily need to be a SSN)and credit worthiness. I
currently hold an unsecured platinum visa from Wells Fargo and my
social security number is not on it, as you can see in
www.verizonfears.com/nossn.jpg and www.verizonfears.com/wells.jpg, and
Wells Fargo is reporting my credit without SSN. My (now closed)
checking account of course had my SSN and that is how Wells Fargo
obtained it initially since they foolishly thought they would need it
to run my credit, but as I stated I refused to activate the card until
the representative deleted it. I then had to fight the beuraus
threatening them with the FCRA to erase my SSN from their records.
But a person who has never obtained credit before would not have to go
through the drama I went through, all they would have to do is never
open a checking or savings account and apply for a secure credit card
at Wells Fargo without SSN and graduate to unsecure after one year.
Building credit without SSN to many people seems to troublesome, but
if you teach your freinds and children to do this it will extremely
cut down on identity theft if you think about it, as no one will be
able to obtain instant credit without identification, such as applying
for credit over the phone or the internet where the main form of
identification is SSN. If your creditors and the big 3 only have your
name and address then no one inside these companies can steal your SSN
to obtain credit in your name. A lot of people tell me I'm just
making it hard on myself as I will never be able to buy a
house(mortgage is tax deductable, so I won't be able to apply for
mortgage loan w/o giving a tax id number, i.e. SSN), but I have at the
very least obtained a credit card and a cellphone, I plan on getting
an apartment next and then a car..we'll see how it goes.
And don't expect to ever have an interest paying account with a bank- the
interest is reported to the IRS via your SS#.
Will
2004-01-20 14:40:29 UTC
Permalink
I just "wish" you links would work as to see what BS is being pushed... ;-)
The header for the link has something to do with PHREAKING....
Post by Lucky225
SSN. Visit www.verizonfears.com/banknossn.rtf ... Further credit
cards are not tax deductable and there is no need to supply a Tax ID
number to obtain one, you simply need to prove your identity (2 forms
of ID, does not necessarily need to be a SSN)and credit worthiness. I
currently hold an unsecured platinum visa from Wells Fargo and my
social security number is not on it, as you can see in
www.verizonfears.com/nossn.jpg and www.verizonfears.com/wells.jpg,
Lucky225
2004-01-18 03:01:57 UTC
Permalink
BTW, after my credit re-evaluation, I did qualify to have my $800
deposit sent back :), oh and creditors report credit, bueros just
retain the information :)
Post by Scott Stephenson
Post by Lucky225
The SSN only apears on your credit report if you have given it out to
other creditors!! The credit bueros only know what you have told
you're creditors, the first time you ever aplied for credit you most
likely stupidly gave the creditor your SSN, when the creditor then
tried to make a credit inquiry w/ the credit buero of your choice, the
credit buero said 'mmmmmm fresh meat!' the buero then cross-referenced
the SSN w/ every other SSN in it's database to make sure that that SSN
is not one that is already in use. Once it determined that a credit
report was established for you and your SSN apeared in this report.
How do I know this for sure? Because that's exactly what happened w/
Wells Fargo, they used my SSN from my checking account since I did not
supply one, well when I got my credit card I refused to activate it
until the representative agreed to erase my SSN. My next step was to
obtain a credit report, once I noticed that my SSN was displayed in my
credit headers I threatened transunion by telling them that the SSN is
incorrect and that they must remove it pursuant to the FCRA, I also
told them that there is no law requiring me to submit my SSN to them
to correct this inaccurate information, that they have 30 days to
investigate and remove the inaccurate information. After the rep at
transunion spoke to her supervisor, she said with assurance "We will
'temporarily' remove your SSN, but your creditors are just going to
report it to us anyways" Once my SSN was removed Wells Fargo has been
reporting for a year now, I have a transunion score of 692, and a
cellphone with no SSN. WHY? Because transunion doesn't know my SSN
and my creditors don't know it to give it to transunion, so every one
is happy :)
If you're stupid enough to think that Transunion still doesn't have your
SS#, keep dreaming. And dealing with the one bureau is great, but what
about the other reporting bureaus- the ones that still have your SS# and
report it?
Todd Allcock
2004-01-19 05:21:18 UTC
Permalink
Post by Lucky225
BTW, after my credit re-evaluation, I did qualify to have my $800
deposit sent back :)
NOW we get the real story! You skipped the "$800 deposit" part when
you started this thread! You "got a phone without an SSN", but you
DIDN'T get "credit"- you essentially got a "secured" phone by agreeing
to pay the high deposit.

You have to admit your original post was a wee bit misleading- it's
kind of like posting "I got a 'loan' from the bank without using my
name or showing any ID... all I had to do was fill out the amount I
wanted on a withdrawal slip. For some reason, after they saw the
nylon stocking on my head and the gun in my hand, they didn't ask me
for any other information..." ;-)

Someone with your 692 FICO score wouldn't ordinarily have to put down
a deposit for a cellphone, much less an $800 one...
Unless, of course, he withholds his SSN!
Lucky225
2004-01-19 20:34:16 UTC
Permalink
Did you not read the story?? I DIDNT HAVE A 692 when I applied for the
phone, I had a ZERO because Transunion had deleted my credit history
and AT&T uses Transunion for inital sign-ups, it has been 2 MONTHS
since I started service, you're not supposed to get your deposit back
until 1 year, they are sending me my deposit back because I have a 692
-NOW-, they got this score without me giving them my SSN and my SSN
doesn't apear in the headers.
Read the WHOLE story.
Post by Todd Allcock
Post by Lucky225
BTW, after my credit re-evaluation, I did qualify to have my $800
deposit sent back :)
NOW we get the real story! You skipped the "$800 deposit" part when
you started this thread! You "got a phone without an SSN", but you
DIDN'T get "credit"- you essentially got a "secured" phone by agreeing
to pay the high deposit.
You have to admit your original post was a wee bit misleading- it's
kind of like posting "I got a 'loan' from the bank without using my
name or showing any ID... all I had to do was fill out the amount I
wanted on a withdrawal slip. For some reason, after they saw the
nylon stocking on my head and the gun in my hand, they didn't ask me
for any other information..." ;-)
Someone with your 692 FICO score wouldn't ordinarily have to put down
a deposit for a cellphone, much less an $800 one...
Unless, of course, he withholds his SSN!
xw
2004-01-20 01:47:08 UTC
Permalink
Sounds like a bunch of shit like it was from the beginning, when i had -0-
credit I got ATT 2 lines for $250 deposit.. and they used experian to report
to, and NO THEY DO NOT GIVE YOU YOUR DEPOSIT BACK EARLY and two months would
not be enough time to build your credit up .... . so sorry to let you down
of your pipe dream.. go find another group to tell your lame stories too..
Post by Lucky225
Did you not read the story?? I DIDNT HAVE A 692 when I applied for the
phone, I had a ZERO because Transunion had deleted my credit history
and AT&T uses Transunion for inital sign-ups, it has been 2 MONTHS
since I started service, you're not supposed to get your deposit back
until 1 year, they are sending me my deposit back because I have a 692
-NOW-, they got this score without me giving them my SSN and my SSN
doesn't apear in the headers.
Read the WHOLE story.
Post by Todd Allcock
Post by Lucky225
BTW, after my credit re-evaluation, I did qualify to have my $800
deposit sent back :)
NOW we get the real story! You skipped the "$800 deposit" part when
you started this thread! You "got a phone without an SSN", but you
DIDN'T get "credit"- you essentially got a "secured" phone by agreeing
to pay the high deposit.
You have to admit your original post was a wee bit misleading- it's
kind of like posting "I got a 'loan' from the bank without using my
name or showing any ID... all I had to do was fill out the amount I
wanted on a withdrawal slip. For some reason, after they saw the
nylon stocking on my head and the gun in my hand, they didn't ask me
for any other information..." ;-)
Someone with your 692 FICO score wouldn't ordinarily have to put down
a deposit for a cellphone, much less an $800 one...
Unless, of course, he withholds his SSN!
Lucky225
2004-01-20 19:51:27 UTC
Permalink
I wish you guys would read before you answer, I had zero credit
because I was in a dispute with transunion at the time, transunion
'accidently' deleted 6 months of my credit history and told Wells
Fargo to stop reporting, I didn't get wells fargo to RE-REPORT my 1
year worth of credit until 6 months later, which was AFTER I got the
phone, for fucks sake I'll scan in the deposit check when it comes, if
you want I'll have AT&T send me a letter stating when my account was
opened and that their is no SSN on the account. I'm not hear to
bullshit, I am a very reputable person, I have spoken at conventions
and wrote many articles for magazines. I am just here to share my
achievements with you, not to be criticized.
Post by xw
Sounds like a bunch of shit like it was from the beginning, when i had -0-
credit I got ATT 2 lines for $250 deposit.. and they used experian to report
to, and NO THEY DO NOT GIVE YOU YOUR DEPOSIT BACK EARLY and two months would
not be enough time to build your credit up .... . so sorry to let you down
of your pipe dream.. go find another group to tell your lame stories too..
Post by Lucky225
Did you not read the story?? I DIDNT HAVE A 692 when I applied for the
phone, I had a ZERO because Transunion had deleted my credit history
and AT&T uses Transunion for inital sign-ups, it has been 2 MONTHS
since I started service, you're not supposed to get your deposit back
until 1 year, they are sending me my deposit back because I have a 692
-NOW-, they got this score without me giving them my SSN and my SSN
doesn't apear in the headers.
Read the WHOLE story.
Post by Todd Allcock
Post by Lucky225
BTW, after my credit re-evaluation, I did qualify to have my $800
deposit sent back :)
NOW we get the real story! You skipped the "$800 deposit" part when
you started this thread! You "got a phone without an SSN", but you
DIDN'T get "credit"- you essentially got a "secured" phone by agreeing
to pay the high deposit.
You have to admit your original post was a wee bit misleading- it's
kind of like posting "I got a 'loan' from the bank without using my
name or showing any ID... all I had to do was fill out the amount I
wanted on a withdrawal slip. For some reason, after they saw the
nylon stocking on my head and the gun in my hand, they didn't ask me
for any other information..." ;-)
Someone with your 692 FICO score wouldn't ordinarily have to put down
a deposit for a cellphone, much less an $800 one...
Unless, of course, he withholds his SSN!
Joseph
2004-01-21 01:22:46 UTC
Permalink
Post by Lucky225
I'm not hear to
bullshit, I am a very reputable person, I have spoken at conventions
and wrote many articles for magazines.
I hope you had someone proofread your articles before they were
published. There is a difference between "hear" and "here."

- - - - - - - - - - - - - - - - - - - - - - - - - -
remove NO from .NOcom to reply
LithiaSpgs
2004-01-23 03:20:19 UTC
Permalink
Post by Joseph
I hope you had someone proofread your articles before they were
published. There is a difference between "hear" and "here."
I saw one of his articles. It was titled "I am not hear to here bullshit"
Lucky225
2004-01-23 20:56:50 UTC
Permalink
haha, very funny, yes I know I often misuse 'hear/here' and
'your/you're' but I usually re-read my articles and they are edited
before they are published :)
Post by LithiaSpgs
Post by Joseph
I hope you had someone proofread your articles before they were
published. There is a difference between "hear" and "here."
I saw one of his articles. It was titled "I am not hear to here bullshit"
Roy Blenkhorn
2004-01-26 20:37:22 UTC
Permalink
They said Bill Clinton was a reputable person, and than they said George W
Bush was a reputable person... oh wait how bout Rush Limbaugh? Or maybe even
Martha Stewart.. you Lucky.. are not very reputable, and you are just a
waste of time and effort.. just so you know..
Post by Lucky225
haha, very funny, yes I know I often misuse 'hear/here' and
'your/you're' but I usually re-read my articles and they are edited
before they are published :)
Post by LithiaSpgs
Post by Joseph
I hope you had someone proofread your articles before they were
published. There is a difference between "hear" and "here."
I saw one of his articles. It was titled "I am not hear to here bullshit"
Lucky225
2004-01-28 05:44:45 UTC
Permalink
Quite on the contrary, I know many people here have never heard of
me(hey look I can spell today), however I am quite a reputable person
and have been in the public eye, weather or not you've seen me. I've
been published in magazines, spoke at conferences, and I co-host a
streaming internet radio show that has international popularity.
(www.cbzone.org/default) The people that have read my articles and
have got a chance to talk to me find me quite knowledgeable and
reputable.
Post by Roy Blenkhorn
They said Bill Clinton was a reputable person, and than they said George W
Bush was a reputable person... oh wait how bout Rush Limbaugh? Or maybe even
Martha Stewart.. you Lucky.. are not very reputable, and you are just a
waste of time and effort.. just so you know..
Post by Lucky225
haha, very funny, yes I know I often misuse 'hear/here' and
'your/you're' but I usually re-read my articles and they are edited
before they are published :)
Post by LithiaSpgs
Post by Joseph
I hope you had someone proofread your articles before they were
published. There is a difference between "hear" and "here."
I saw one of his articles. It was titled "I am not hear to here
bullshit"
Todd Allcock
2004-01-20 05:09:24 UTC
Permalink
Post by Lucky225
Did you not read the story?? I DIDNT HAVE A 692 when I applied for the
phone, I had a ZERO because Transunion had deleted my credit history
and AT&T uses Transunion for inital sign-ups, it has been 2 MONTHS
since I started service, you're not supposed to get your deposit back
until 1 year, they are sending me my deposit back because I have a 692
-NOW-, they got this score without me giving them my SSN and my SSN
doesn't apear in the headers.
Read the WHOLE story.
I tried. You don't seem to supply all of the details. Try to
remember that although YOU know what you are trying to say in your
head, the rest of us can only see what you actually post.

The only reference to your credit score I saw was when you posted
"Once my SSN was removed Wells Fargo has been reporting for a year
now, I have a transunion score of 692, and cellphone with no SSN.

Nowhere in this thread did you give any kind of coherent timeline of
events. If you did and I missed it, I apologize.
Lucky225
2004-01-20 20:01:59 UTC
Permalink
I apologize that my posts are all scattered, perhaps I didn't make any
references, I surely thought I did, but I'm also trying to deal with
people on other newsgroups, so if I mistakenly thought that I had
already posted that information and I haven't I apologize. Further, I
know people are going to start arguing now about what credit buerau
AT&T uses
Post by Todd Allcock
Post by Lucky225
Did you not read the story?? I DIDNT HAVE A 692 when I applied for the
phone, I had a ZERO because Transunion had deleted my credit history
and AT&T uses Transunion for inital sign-ups, it has been 2 MONTHS
since I started service, you're not supposed to get your deposit back
until 1 year, they are sending me my deposit back because I have a 692
-NOW-, they got this score without me giving them my SSN and my SSN
doesn't apear in the headers.
Read the WHOLE story.
I tried. You don't seem to supply all of the details. Try to
remember that although YOU know what you are trying to say in your
head, the rest of us can only see what you actually post.
The only reference to your credit score I saw was when you posted
"Once my SSN was removed Wells Fargo has been reporting for a year
now, I have a transunion score of 692, and cellphone with no SSN.
Nowhere in this thread did you give any kind of coherent timeline of
events. If you did and I missed it, I apologize.
.
Lucky225
2004-01-20 20:04:18 UTC
Permalink
I apologize that my posts are all scattered, perhaps I didn't make any
references, I surely thought I did, but I'm also trying to deal with
people on other newsgroups, so if I mistakenly thought that I had
already posted that information and I haven't I apologize. Further, I
know people are going to start arguing now about what credit buerau
AT&T uses initially, it depends on your area, here in southern
california they use Transunion and Equifax.
Post by Todd Allcock
Post by Lucky225
Did you not read the story?? I DIDNT HAVE A 692 when I applied for the
phone, I had a ZERO because Transunion had deleted my credit history
and AT&T uses Transunion for inital sign-ups, it has been 2 MONTHS
since I started service, you're not supposed to get your deposit back
until 1 year, they are sending me my deposit back because I have a 692
-NOW-, they got this score without me giving them my SSN and my SSN
doesn't apear in the headers.
Read the WHOLE story.
I tried. You don't seem to supply all of the details. Try to
remember that although YOU know what you are trying to say in your
head, the rest of us can only see what you actually post.
The only reference to your credit score I saw was when you posted
"Once my SSN was removed Wells Fargo has been reporting for a year
now, I have a transunion score of 692, and cellphone with no SSN.
Nowhere in this thread did you give any kind of coherent timeline of
events. If you did and I missed it, I apologize.
.
Lucky225
2004-01-17 02:31:10 UTC
Permalink
I have a SSN, I just refuse to give it out. Remember the Privacy Act
does not prohibit the private sector from having SSN requirement
policies, but there is also no law requiring you to submit an SSN when
applying for credit. When I'm asked for my SSN I simply decline
stating that my SSN does not prove my credit worthiness, my credit
worthiness proves it! If the companies policy prohibits me from
obtaining a service without submitting SSN then I leave. Something to
keep in mind is the Fair Credit and Reporting Act says creditors must
have a legitimate reason for denial of credit, failure to obtain an
SSN is not a legitimate reason as there is a host of other means to
obtain your credit report.(In reality all you need is a name date of
birth and address, these things narrow the search down to YOU, unless
you have a twin living at your house with the same name or something
crazy like that) If the creditor's computer system will not allow
them to submit an aplication for credit, I always offer to have my
report mailed to them or I can give them my transunion file number and
they can order it directly from transunion.
As to the person who thinks you need an SSN for credit, are you a
fucking moron? How do you think foreign nationals obtain credit? or
are they not worthy of credit simply b/c of their citizenship status?
Remember, your credit worthiness determines if a lender will give you
credit, not your SSN.
Post by Lucky225
Just wanted everyone to know that you can get a CONTRACT cellphone
through AT&T, and credit in general without providing your SSN.. Need
proof?
www.verizonfears.com/credit.jpg -- my credit report(notice SSN is
missing)
www.verizonfears.com/wells.jpg -- credit rating from wellsfargo
www.verizonfears.com/nossn.jpg -- letter confirming no SS# on my
credit card.
Todd Allcock
2004-01-18 07:05:01 UTC
Permalink
Post by Lucky225
I have a SSN, I just refuse to give it out. Remember the Privacy Act
does not prohibit the private sector from having SSN requirement
policies, but there is also no law requiring you to submit an SSN when
applying for credit. When I'm asked for my SSN I simply decline
stating that my SSN does not prove my credit worthiness, my credit
worthiness proves it!
Which is all well and good, but the question I always wonder when
talking to the nobody-gets-my-SSN folks is, why do you care? What
horror will befall you if somebody uses a random (well, almost random)
number to more easily identify you and your 600+ credit score?

Sure, you can bludgeon your way through creditors withholding your SSN
if you really want to, but what does it get you (besides making it 10x
longer to get credit, since you have to work your way up the foodchain
to bypass the "usual" way of doing this!)

If it's just to prove a point, fine. If it's because you want to t
ink you're keeping your privacy, what are you keeping private? An
assigned number- not your identity. You really want to impress us
with your powers of privacy? Get credit without using your NAME!
Post by Lucky225
If the companies policy prohibits me from
obtaining a service without submitting SSN then I leave.
Personally I try to shop for the best deal- not simply take the only
vendor who'll put up with a schtick like refusing to give an SSN.
When I was a Cingular agent, I had one customer who refused to give an
SSN. I put him on the phone with a Cingular CS supervisor. He told
her (correctly) that no law could force him to give his SSN, and the
rep agreed, adding that no law could force Cingular NOT to assess a
deposit if he refused. Not being as adamant about it as you, I
suggested a compromise. He gave the SSN directly to the supervisor,
but we kept it off of all paperwork, in order to minimize the number
of places it was recorded (as an independent dealer, I was required to
keep a copy of the contract at my place of business as well as forward
two copies to Cingular.)
Post by Lucky225
Something to
keep in mind is the Fair Credit and Reporting Act says creditors must
have a legitimate reason for denial of credit, failure to obtain an
SSN is not a legitimate reason as there is a host of other means to
obtain your credit report.(In reality all you need is a name date of
birth and address, these things narrow the search down to YOU, unless
you have a twin living at your house with the same name or something
crazy like that) If the creditor's computer system will not allow
them to submit an aplication for credit, I always offer to have my
report mailed to them or I can give them my transunion file number and
they can order it directly from transunion.
So, while you won't allow the world to know a random number issued to
you by the SSA, you'll toss around a different one issued by a credit
bureau to anyone who asks? What's the difference?
Post by Lucky225
As to the person who thinks you need an SSN for credit, are you a
fucking moron? How do you think foreign nationals obtain credit? or
are they not worthy of credit simply b/c of their citizenship status?
They may be worthy, but it's a lot more difficult procedurally for a
foreign national (or you) to obtain credit. The SSN is a convenient
shortcut. It confirms an individual's identity much more reliably and
quickly than any other method. (Do you think there was only ONE John
Smith born on a particular date in, say, 1970? So name, birthday,
place of birth, etc. are needed to isolate a particular John Smith.
Name and SSN alone can identify an individual.
Post by Lucky225
Remember, your credit worthiness determines if a lender will give you
credit, not your SSN.
Of course, but you run the opposite risk, as well- a creditor trying
to ID you might assume that a "deadbeat" with your name is you since
you won't give an SSN that would easily establish you are NOT the
"wrong" John Smith.

I'm not picking on you, or suggesting you change a behavior that
obviously seems to work for you, but I've still yet to hear a good
reason to withhold my SSN from a creditor. The law protects my
privacy, there are penalties for the misuse of my SSN, and I am
protected from the fraudulent use of my SSN from identity thieves. I
was actually angry that when I moved to Colorado last year, I was not
allowed to use my SSN as my driver's license number. (In the la t two
states I lived in, your SSN was your DL # unless you objected, and a
random number was issued instead.) Colorado won't allow SSNs as DL
#'s, but the do allow you to have your SSN printed on your license if
you request it, so I did.
Lucky225
2004-01-19 09:55:21 UTC
Permalink
Scott- Yes I understand that for certain things such as employment
where the IRS is involved I will have to supply a SSN, I just don't
supply it to creditors.

Todd- The SSN is a universal identifier, it enables identity theives
to obtain credit in your name over the phone, without this information
they will not be able to do this as easily. For example in order to
get the credit I have I have had to supply adequate identification.
But I do agree with you that it is a hard thing to do as the credit
beuraus mess their files up a lot, I have 2 files at transunion, one
has my full name with middle initial-- that one has credit, the other
has just my first and last name, no credit. So it does complicate
things when trying to prove my credit worthiness, but nonetheless as
long as my name, date of birth and address are entered correctly the
correct file will be pulled. I do agree with you though, I chose
AT&T b/c they had a comprable plan to T-mobile, but T-mobile refused
to do business w/o SSN so I went with AT&T and have been very pleased
with them.

It actually is not '10 times harder' though or as hard as it sounds,
you just have to deal with the right people, Wells Fargo will let you
get a secure card w/o SSN w/ 'ease', same with AT&T.. A week after I
got my phone I saw a Canadian who was hear temporarily also obtain a
cellphone w/o SSN, he just needed a US billing address. Sure, you
have to get it through the sheep's head as they've been taught by the
rest of the heard that SSN=CREDIT not credit worthiness.. but it can
be done :)
Post by Todd Allcock
Post by Lucky225
I have a SSN, I just refuse to give it out. Remember the Privacy Act
does not prohibit the private sector from having SSN requirement
policies, but there is also no law requiring you to submit an SSN when
applying for credit. When I'm asked for my SSN I simply decline
stating that my SSN does not prove my credit worthiness, my credit
worthiness proves it!
Which is all well and good, but the question I always wonder when
talking to the nobody-gets-my-SSN folks is, why do you care? What
horror will befall you if somebody uses a random (well, almost random)
number to more easily identify you and your 600+ credit score?
Sure, you can bludgeon your way through creditors withholding your SSN
if you really want to, but what does it get you (besides making it 10x
longer to get credit, since you have to work your way up the foodchain
to bypass the "usual" way of doing this!)
If it's just to prove a point, fine. If it's because you want to t
ink you're keeping your privacy, what are you keeping private? An
assigned number- not your identity. You really want to impress us
with your powers of privacy? Get credit without using your NAME!
Post by Lucky225
If the companies policy prohibits me from
obtaining a service without submitting SSN then I leave.
Personally I try to shop for the best deal- not simply take the only
vendor who'll put up with a schtick like refusing to give an SSN.
When I was a Cingular agent, I had one customer who refused to give an
SSN. I put him on the phone with a Cingular CS supervisor. He told
her (correctly) that no law could force him to give his SSN, and the
rep agreed, adding that no law could force Cingular NOT to assess a
deposit if he refused. Not being as adamant about it as you, I
suggested a compromise. He gave the SSN directly to the supervisor,
but we kept it off of all paperwork, in order to minimize the number
of places it was recorded (as an independent dealer, I was required to
keep a copy of the contract at my place of business as well as forward
two copies to Cingular.)
Post by Lucky225
Something to
keep in mind is the Fair Credit and Reporting Act says creditors must
have a legitimate reason for denial of credit, failure to obtain an
SSN is not a legitimate reason as there is a host of other means to
obtain your credit report.(In reality all you need is a name date of
birth and address, these things narrow the search down to YOU, unless
you have a twin living at your house with the same name or something
crazy like that) If the creditor's computer system will not allow
them to submit an aplication for credit, I always offer to have my
report mailed to them or I can give them my transunion file number and
they can order it directly from transunion.
So, while you won't allow the world to know a random number issued to
you by the SSA, you'll toss around a different one issued by a credit
bureau to anyone who asks? What's the difference?
Post by Lucky225
As to the person who thinks you need an SSN for credit, are you a
fucking moron? How do you think foreign nationals obtain credit? or
are they not worthy of credit simply b/c of their citizenship status?
They may be worthy, but it's a lot more difficult procedurally for a
foreign national (or you) to obtain credit. The SSN is a convenient
shortcut. It confirms an individual's identity much more reliably and
quickly than any other method. (Do you think there was only ONE John
Smith born on a particular date in, say, 1970? So name, birthday,
place of birth, etc. are needed to isolate a particular John Smith.
Name and SSN alone can identify an individual.
Post by Lucky225
Remember, your credit worthiness determines if a lender will give you
credit, not your SSN.
Of course, but you run the opposite risk, as well- a creditor trying
to ID you might assume that a "deadbeat" with your name is you since
you won't give an SSN that would easily establish you are NOT the
"wrong" John Smith.
I'm not picking on you, or suggesting you change a behavior that
obviously seems to work for you, but I've still yet to hear a good
reason to withhold my SSN from a creditor. The law protects my
privacy, there are penalties for the misuse of my SSN, and I am
protected from the fraudulent use of my SSN from identity thieves. I
was actually angry that when I moved to Colorado last year, I was not
allowed to use my SSN as my driver's license number. (In the la t two
states I lived in, your SSN was your DL # unless you objected, and a
random number was issued instead.) Colorado won't allow SSNs as DL
#'s, but the do allow you to have your SSN printed on your license if
you request it, so I did.
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