Friday, July 31, 2020

I was approved for a $100K HELOC loan using the Colorado Digital ID™

Are you using your Colorado Digital ID™ for purchases and services requiring identification within our state? It’s a convenient, legal form of identification that’s with you all the time on your smartphone! As the myColorado project manager, I might be a little biased, but when I’m out and about, I take every opportunity possible to see which Colorado businesses are accepting the Digital ID. Below are just a few examples I discovered! 

Colorado Digital ID Use Case


My husband and I were sitting on the patio of a German restaurant here in beautiful Colorado enjoying a couple of pilsners when we heard a small commotion across from us. The server was asking a young man to provide his ID to serve him alcohol. He was seated at the table with what appeared to be his older brother and their parents, and they were telling the server that he was over 21 years old. After several minutes of back and forth, the frustrated young man stood up, grabbed his phone, and stomped off to his car in search of his wallet and physical driver license. I wanted to sprint over and let him know all about the Colorado Digital ID that’s stored in the myColorado™ mobile app Wallet. It’s simple to set up and use, and it’s an official form of identification backed by Executive Order B 2019 013, signed by Governor Polis on October 30, 2019.


I had an experience similar to my friend at the German restaurant - I had left my wallet at home, but the Digital ID came to my rescue. Our washing machine had given up after 15 years and the dryer was holding on by a thread. My husband and I headed to a major hardware store in the area in search of replacements. After we chose what we wanted, the store clerk offered us a 12-month interest-free option for current customers. My husband had never set up an account with them, so they had to use my profile to take advantage of the offer. Often, I don’t bring my wallet when shopping with my husband, and this was the case on that day. Therefore, I showed my Digital ID to help the store clerk find my account and he didn’t flinch! The clerk diligently verified the information on my Digital ID with his computer records and within minutes I was approved to purchase a brand new washer and dryer. 


Next, loaded with confidence, I decided to put a bank to the test. My husband and I had applied for a $100,000 home equity line of credit, or HELOC. When the time came to close on the loan, we were directed to a conference room at the bank to sign documents and present our IDs. While this time I had my physical ID tucked away in my purse, I was not going to pull it out unless absolutely necessary. (Note: The Executive Order states that merchants may accept the Digital ID, but are not required to at this time.) The bank official asked us for our IDs to take a photocopy of them. I showed my Colorado Digital ID on my iPhone. A bit puzzled, the banker called a notary public into the conference room to validate our identity and proceed with loan execution. I realized that by presenting a Digital ID, no hard copies of my physical ID would be taken. Therefore, this was a more secure process to protect my identity since a hard copy of my physical ID would not end up in a folder in the bank's files.


A digital form of identity is here to stay, grow, and evolve. In the last couple of years, I have noticed that friends and family members are increasingly leaving their wallets behind and carrying only their smartphones since many financial transactions can be conducted digitally without a physical debit or credit card. The same goes for providing proof of age, address, and identity here in Colorado! When ordering a drink at a local bar or restaurant, making big purchases, or applying for a loan, you can rely on the Digital ID.

Download myColorado and set up your Colorado Digital ID today! For more information, visit


How to set up your Colorado Digital ID:

  • Download the myColorado app on your smartphone from the Apple App or Google Play store
  • Scan the PDF 417 barcode of the back of your physical driver license or state ID card
  • Create an account and get authenticated to access your Digital ID
  • Start showing your Digital ID as proof of identity, age, and residency within Colorado

Note: Because the Digital ID is new and is not accepted everywhere yet, be sure to carry your physical driver license or state ID card wherever you go.

Today’s blog comes from Olga Klinger, Project Manager with OIT’s Customer Office.

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