Understand the period covered by proof of address

The date a statement was downloaded is not necessarily the statement's issue date or the period it covers.

The distinction that matters

A document can contain several time references: issue date, account period, payment due date and download timestamp. If a recipient specifies a recency limit, ask which date is relevant. Do not assume a universal three-month or six-month rule; the applicable request must supply that condition.

A worked example

A statement covers July, was issued in August and is downloaded again in November. The new download does not create a new statement period. If an instruction says 'issued within the stated period', the issue date is the useful field to compare, subject to the operator's explanation.

Your next steps

  • Identify all visible dates before choosing one.
  • Match the requested condition to the correct field.
  • Keep the original statement intact.
  • Ask for an accepted alternative if the document falls outside the requested period.

Where this answer stops

This guide does not set a recency threshold. It helps you avoid attaching the wrong date to a document. A current address in an account profile does not, on its own, establish which supporting evidence will be accepted.

Sources & reading

Original Northline explanation. Worked examples use stated assumptions; they do not establish an operator’s policy or predict personal results. Read how we handle evidence.

An editorial review date is not a new policy effective date. Always check the current source for operator-specific conditions.

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