Answer
Apr 02, 2026 - 11:13 PM
If the applicant cannot complete online identity verification, AAOA may request proof of identification by email before releasing the credit report. Typically, the applicant should provide at least two forms of identification, such as a driver's license or state ID, a bank statement, a utility bill, a Social Security card, or a passport. The address on supporting documents should match the application when applicable. Review can take up to one full business day.
