General Discussion

badtoworse

(5,957 posts)

124. I disagree

Fri Nov 1, 2013, 11:49 AM

Nov 2013

The OP is a consumer, but he does not utilize credit cards to do so. He does not like borrowing money and prefers to pay cash. Consequently, he has no credit history and that is preventing him from enrolling in an ACA insurance plan. Other than his dislike of credit cards, there is nothing stopping him from making the same purchases with a credit card and paying the entire balance when he gets the bill. He wouldn't be spending any more money if he did that.

The OP believes (and I agree) that he shouldn't need a credit history to enroll and has spent a lot of time and money attempting to enroll without such a history. The pragmatic approach would be for him to put aside his dislike of credit cards; get one and establish a credit history. Presumably, with the credit history thus established, he would be able to enroll.

How is that not pragmatic?

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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