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by dsfyu404ed 3199 days ago
"If you believe the address on file is outdated please mail a notarized copy of X of the Y documents to us at Z"

Getting a notarized copy of an ID and proof of address and mailing it in isn't too terrible of a hoop for poor people (who aren't so poor that an organization that cares about credit ratings is considering lending to them) to jump though. It doesn't scale well and provides a substantial hurdle for monetizing ID information.