Orchard Bank HORRIBLE COMPANY, Asked security questions had nothing to do with me! Schaumburg Illinois

Do credit reports list what kind of car you drive????

are not necessarily based on your credit report but on information based on public records. For example if you've ever purchased a home the public records would have you associated with that address. If you were ever in a club, public records might have the membership list. But as Nikki said, the bank is trying to make sure that they are talking with you to reactivate the card. Since the questions were not answered correctly they can require further verification. They may allow you to go into a nearby branch and present your ID if you don't want to mail it.

I have only seen those kind of security questions online, however I haven't called any of my creditors in a long time, so I'm not sure what they are doing these days. In order to verify that it's you, they ask questions that may or may not be found on your credit report. If it's on your credit report and you answer the right answers, they know it's you. For example, the car you drive. The computer knows the answer, they just want to see if you answer it correctly to verify it's you. Sometimes they ask you your mortgage or car payment, sometimes they ask you if know people, etc. They can ask you bogus names to see if you say no, or they can ask you about names of people you have had joint accounts with in the past, to see if you say yes. They may ask you about your past addresses, or totally made up addresses and you have to say none.

Since you may have given them a hard time about answering the questions, they are now requiring you send them the identifications they requested to verify your identity. As of right now, they don't know it's really you and last they knew, your card was breached.

If it's any comfort, I believe the verification program they use has automated, multiple choice questions. I think they enter in your info and get security questions to ask you based on your credit report. If they are answered correctly, they may go on. If they are not answered correctly, the computer will not let you go any further. And, by answered correctly, I mean the answers must pertain to what your credit report shows.