And many US phone carriers don't allow international service of the kind required, anyway. A regular US phone number is a very expensive solution if one is outside the US, and only needs a phone number to receive an occasional SMS. So I had a working password, but I could not log in, because when I tried to log in, the Capital One site would ask me for a US phone number to send a verification code, or make a verification call to. I had previously validated myself with Capital One. The following information is correct as of March 2020, except the part about T-Mobile which was current in fall 2019. I want to report that I have solved my issue. Apparently the way around that is to use a VPN. The minor one is that Google Voice needs to think I'm in the US. Though it's possible it's less fussy about what it considers to be a valid phone number than Capital One is. The major one is that Google Voice requires a US number, so it's a bit of a Catch 22. One, relatively major, one relatively minor. Setting up Google Voice has two problems. I've had conflicting reports that Google Voice will work with Capital One, but I haven't tried that yet. And perhaps unsurprisingly, the Capital One reps I've spoken to have been completely uninterested in helping me find a solution. There are a large variety of VOIP and virtual phone services available, some of which might work, but it's hard to know without trying them. It seems especially expensive if all one needs it for is for an occasional SMS. I was wondering if anyone here had had that problem, and if so, wereĪble to resolve it? A regular US number is quite an expensive thing to maintain outside the US, and even within the US. And apparently it's quite fussy what it considers a valid US phone number. And Capital One doesn't let one do two factor authentication using email, only SMS to a US mobile phone. A variety of things can trigger two factor authentication with Capital One. But I can't log into online banking, even though I have a valid password, because I don't have a working US mobile phone. And maybe I'm making it more complicated or difficult than it needs to be. Of the face of it, it's a relatively trivial issue. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies.ĬreditWise Alerts are based on changes to your TransUnion and Experian® credit reports and information we find on the dark web.I have been facing the following problem/issue for some time, but don't yet have a solution. The availability of the CreditWise tool depends on our ability to obtain your credit history from TransUnion. ![]() Your CreditWise score is a good measure of your overall credit health, but it is not likely to be the same score used by creditors. ![]() Your CreditWise score is calculated using the TransUnion® VantageScore® 3.0 model, which is one of many credit scoring models. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners. The EMVCo Contactless Symbol and Contactless Indicator, consisting of four graduating arcs, are trademarks owned by and used with permission of EMVCo, LLC.Ĭapital One does not provide, endorse or guarantee any third-party product, service, information, or recommendation listed above. For specific advice about your unique circumstances, consider talking with a qualified professional. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. But the CFPB says a reputable company should provide free information about its services. By negotiating extensions to repay loans and asking creditors to lower interest rates and waive fees, counselors may be able to lower overall monthly payments-not necessarily the total owed, though.Įven though credit counseling companies are usually nonprofit organizations, they still may charge fees to handle debt management plans and other services. Debt management plansĪccording to the CFPB, debt management plans involve making a single payment through a credit counselor who then makes monthly payments to creditors. The National Foundation for Credit Counseling and the Financial Counseling Association of America are two resources for finding reputable services.
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