[goldenhippo80]

What if the person is using a landline and not a cell phone?

Maybe they should be required to use a cell phone to verify who they are. 97% of adults aged 18–49 own a smartphone and 76% of adults aged 65 and older own one.

[NotALoan]

Maybe they should be required to use a cell phone to verify who they are. 97% of adults aged 18–49 own a smartphone and 76% of adults aged 65 and older own one.

Yeah, I'm sure that explanation will go over REALLY well with the broker whose file I am killing because the guy doesn't own a cell phone