General Discussion

Zorra

(27,670 posts)

81. It was. At least, I was told it was. The next morning nothing had changed on my account,

Wed Oct 30, 2013, 12:55 AM

Oct 2013

and when I called the phone center that morning to see what was going on, no one knew what I was talking about from the night before, and I could not get any information about my call and application acceptance from the night before. I think the woman that helped me did something she was not supposed to do, I don't know. But she read off several of the plans I was eligible for, and it appears that i will be able to get a great deal on insurance.

This is the kind of deranged thing I have been going through, conatantly If it's not one wacko thing, it's another. The first account I started, in August, completely disappeared from the website a few days ago, so I had to start a new account.

This has been like a maze of spiderwebs for me. And it is not because I am incompetent. Every time I call them it's, "We're sorry you've been having so muck trouble"...but no one can explain what is going on because they don't know.

And what I was told by the Experian rep was that my identity could not be verified because I had no credit history for the past two years, not because I did not have any credit cards.

Anyway, I did not receive any information in the mail again today, so I will try again tomorrow and if the info is not there I will call the call center again and they will tell me that it should be here before the end of nest week.

I wish I recorded every conversation and videotaped every time I was on the ACA website, because I would win an award at Sundance for funniest documentary.

Except that I would have to edit out most of the yelling and swearing.

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OK. I found out about my identity verification problem with the ACA. [View all] Zorra Oct 2013 OP

Very sorry. elleng Oct 2013 #1

I applied over the phone. They told me that I would have something coming in the mail. Zorra Oct 2013 #2

Info on application you might have in the mail here: elleng Oct 2013 #4

i don't use credit either and have had similar problems nashville_brook Oct 2013 #3

You do NOT have to pay a credit co. to use their money! napi21 Oct 2013 #27

You do pay them quakerboy Oct 2013 #76

That's true, but it'sa the rare seller that will give you a "cash discount"! napi21 Oct 2013 #89

The contract a retailer signs with a credit card company says they cannot offer cash discounts okaawhatever Oct 2013 #122

I know about the contract, however, this was an individually owned appliance store, napi21 Nov 2013 #127

The problem is when Congress decided to do better identity checks post mortgage crisis, the okaawhatever Oct 2013 #121

Join the club. My wife had issues the simular to yours and I reported them here and we basically diabeticman Oct 2013 #5

I remember you posting about that...What did she eventually do? KoKo Oct 2013 #73

She is in limbo. She is waiting for time off so she can bring all the info do in person but diabeticman Oct 2013 #74

A NEW LINK from the WH - enter your zip code to find out where to sign up for ACA in person LOCALLY Tx4obama Oct 2013 #6

Yeah nice feature too bad sign ups can be really hard for some people EXAMPLE: I typed diabeticman Oct 2013 #75

I have a debit card, but don't babylonsister Oct 2013 #7

i hadexact same problem signing up my 18year old. After a month and finally being able to get to the winterpark Oct 2013 #8

So get a credit card, buy a few things and pay the full balance when you get the bill. badtoworse Oct 2013 #9

You shouldn't be required to have a credit history to have health insurance. Gravitycollapse Oct 2013 #10

Obviously, but sometimes pragmatism is the way to go. badtoworse Oct 2013 #11

And why is requiring a credit history pragmatic? Gravitycollapse Oct 2013 #12

Getting a credit card to avoid putting up with the bullshit is the pragmatic part. badtoworse Oct 2013 #13

We are arguing the ethics of the system, not how to live with the bullshit status quo. Gravitycollapse Oct 2013 #14

Pragmatism doesn't consider that badtoworse Oct 2013 #15

That's some entertainingly circular logic. Nothing changes unless we complain. Gravitycollapse Oct 2013 #16

Not exactly my position badtoworse Oct 2013 #19

It's not exactly going to be at the top of the list of things that CGI is going to be fixing.... VanillaRhapsody Oct 2013 #26

A small percentage of users? Pab Sungenis Oct 2013 #52

not true...MOST people do not have bad or no credit...even if uninsured. VanillaRhapsody Oct 2013 #60

Maybe not MOST Pab Sungenis Oct 2013 #61

Instructing people to be pragmatic in the face of unethical consumerism won't get anyone enrolled ei LanternWaste Oct 2013 #123

I disagree badtoworse Nov 2013 #124

I don't think that's what they're arguing. Chan790 Oct 2013 #47

Because in everyone's life, the shit will hit the fan at some point. jeff47 Oct 2013 #51

Not in this case Shankapotomus Oct 2013 #34

Never said the requirement shouldn't be eliminated; it should. badtoworse Oct 2013 #35

Message auto-removed Name removed Oct 2013 #38

Hello again. hrmjustin Oct 2013 #42

Do you know what 'pragmatism' means? Historically I mean? sabrina 1 Oct 2013 #78

It was a philosophical movement that emphasized solutions over ideas badtoworse Oct 2013 #94

That's assuming that getting a credit card is easy for someone with no credit history. Gormy Cuss Oct 2013 #21

Get a pre-paid CC. They don't take much time to get napi21 Oct 2013 #29

That would still take several months to establish a history, no? n/t Gormy Cuss Oct 2013 #36

No. Chan790 Oct 2013 #48

Thanks for the explanation. Gormy Cuss Oct 2013 #49

Or, even without that quakerboy Oct 2013 #77

So you agree with voter ID laws too then? cui bono Oct 2013 #22

Checkmate. Well done. nt Demo_Chris Oct 2013 #25

The issue is not with the requirement for ID - I'm OK with that. badtoworse Oct 2013 #32

That may not be a good idea, either. AngryOldDem Oct 2013 #80

Post removed Post removed Oct 2013 #17

Are you going for rudest post of the day? cui bono Oct 2013 #23

Subservience to our new Wall St. overlords is becoming increasingly and disturbingly common Zorra Oct 2013 #53

Hmmmm PasadenaTrudy Oct 2013 #18

California has its own exchange -- Hell Hath No Fury Oct 2013 #40

I am sorry you have had problems Mojorabbit Oct 2013 #20

Thanks. I'd wait too, but if I can get insurance that starts in January it will save me Zorra Oct 2013 #87

Unbelievable that credit agency is need to verify ID. What happened to SS numbers? cui bono Oct 2013 #24

The "verification" is by asking you about details from your credit history jeff47 Oct 2013 #54

The problem is when you DON'T have recent credit information. Pab Sungenis Oct 2013 #62

Yep, which is why it's not the only way to do so. jeff47 Oct 2013 #64

Yeah, it's not the only way to verify Pab Sungenis Oct 2013 #65

Well that's what I mean, why do the credit agencies have that power? cui bono Oct 2013 #91

They have the data. jeff47 Oct 2013 #96

I can understand the logistics, my point is more of an incredulous reaction cui bono Oct 2013 #100

Thank you for getting it. The fact that I have a US Dept. of State issued passport Zorra Oct 2013 #104

How, exactly, do you plan to use that passport to verify identity over the Internet? jeff47 Oct 2013 #109

Well, if you look at a whole lot of other threads on DU, you'll find people horrified jeff47 Oct 2013 #108

Being able to prove your identity to the govt without using an outside private agency cui bono Oct 2013 #111

What, exactly, is the objection to NSA spying? jeff47 Oct 2013 #112

It's two entirely different things. cui bono Oct 2013 #114

No, it's not just asking for ID jeff47 Oct 2013 #115

So you believe that the NSA is spying just because they're asking for ID? cui bono Oct 2013 #116

:facepalm: jeff47 Oct 2013 #117

Wow. Really? You are the one who equated the two, not me. cui bono Oct 2013 #118

No, you're spouting bullshit in an attempt to deflect. jeff47 Oct 2013 #119

Okay, seriously, I don't know why you are upset. cui bono Oct 2013 #120

Submit, conform, obey. That is the only law that matters in America anymore. Egalitarian Thug Oct 2013 #28

You forgot Consume solarhydrocan Oct 2013 #95

That's seriously messed up. Good for you that you don't use credit. Common Sense Party Oct 2013 #30

I cannot believe this OP because Obamacare has no flaws NoOneMan Oct 2013 #31

Insensitivity to the lives of others. n/t HereSince1628 Oct 2013 #33

Enough of thisl Experion wants to make sure apply for Credit Card ASAP! KoKo Oct 2013 #37

What's next? Will we be required to have a credit history in order for a credit reporting agency Zorra Oct 2013 #50

Those other scenarios require a physical ID check. jeff47 Oct 2013 #55

What does where you lived 8 years ago have to do with KoKo Oct 2013 #57

How do you check a Social Security card or Driver's license over the Internet? jeff47 Oct 2013 #58

Upload a scan. Pab Sungenis Oct 2013 #66

Sweet! I'm gonna photoshop my address to 1600 Pennsylvania Ave. (nt) jeff47 Oct 2013 #67

lol. Pab Sungenis Oct 2013 #70

Yep. And I uploaded it like 10 times. nt Zorra Oct 2013 #85

You still have plenty of time. lumberjack_jeff Oct 2013 #39

That sucks. It's going to be a real problem for people who Autumn Oct 2013 #41

My daughter was able to log in and create a profile and has never had a credit card in her life. ScreamingMeemie Oct 2013 #44

That's good to hear. But obviously some people are having problems. Autumn Oct 2013 #45

I think the problem is in the four questions they ask you to answer. ScreamingMeemie Oct 2013 #46

I have found in my experience with Experian, they are more or less worthless. Autumn Oct 2013 #56

An honest question and not meant with harm intended. Did you screw up the ScreamingMeemie Oct 2013 #43

No. I am not stupid, illiterate, uneducated, or incompetent. Zorra Oct 2013 #86

I am not stupid either. Thanks for implying that I ScreamingMeemie Oct 2013 #92

You could have bought some gas on credit then upaloopa Oct 2013 #59

Confused grantcart Oct 2013 #63

To be honest, I think the OP may have messed up on the 4 answer part. ScreamingMeemie Oct 2013 #68

not trying to catch anyone but I thought this poster had grantcart Oct 2013 #71

Yes, very confusing - says has 800 credit score, but I guess he doesn't want to HAVE to use sammytko Oct 2013 #72

The woman at the credit union where I established an account 3 years ago ran a credit check on me Zorra Oct 2013 #83

Here Zorra Oct 2013 #84

Well I had an identity verification problem and then when I grantcart Oct 2013 #88

I supposedly have information coming in the mail soon. If that information is another Zorra Oct 2013 #90

I did not mess up. I am not stupid. I have a college degree, and have run Zorra Oct 2013 #82

I am not stupid either, yet you implied that I was. ScreamingMeemie Oct 2013 #99

maybe there are two zorras?? sammytko Oct 2013 #69

It was. At least, I was told it was. The next morning nothing had changed on my account, Zorra Oct 2013 #81

Weird. Warren DeMontague Oct 2013 #79

It isn't part of the deal for most people. ScreamingMeemie Oct 2013 #93

How do you know this? nt Zorra Oct 2013 #97

I explained to you how I knew this upthread, when you claimed I was somehow stupid ScreamingMeemie Oct 2013 #98

There is a serious communication problem here. The only questions the Zorra Oct 2013 #101

Let me put it this way: ScreamingMeemie Oct 2013 #102

lol, oh, that's just so sweet, bless your heart..but...what about..."Also, GREAT CATCH"? Zorra Oct 2013 #107

Have you ever bought Car Insurance? n/t MicaelS Oct 2013 #103

Yes, I have car insurance right now. nt Zorra Oct 2013 #105

Hooray! I was just told on the phone that my identity has been verified by healthcare.gov., Zorra Oct 2013 #106

Congratulations! n/t MicaelS Oct 2013 #110

Maybe you could add an UPDATE in the OP if it is not too late... Tikki Oct 2013 #113

This will be much easier once we all get a 666 stamped on our foreheads. L0oniX Nov 2013 #125

I thought it was going to be a barcode? davidpdx Nov 2013 #128

If they are looking for income verification only nykym Nov 2013 #126

I'm glad to hear you got it worked out davidpdx Nov 2013 #129

Message auto-removed Name removed Oct 2019 #130