@trant3 wrote:
Got the FR call today asked about income and etc and requested the 4506t form to be submitted with two prior years tax return. I have 3 accounts with Amex and recently opened the BCE 20 days ago. Not sure what triggered FR but I suspect my accounts will be closed. To be open and honest with the community, I did fluff my income when aping for the BCE and deserve the account closure of if it happens. Learn from me, disclose accurate info!
I'm going to be heart broken if my accounts close though, I've been with them since 2010
hey there, sorry about this. I read about the 20k fluff and that you sent in the form. My guess is that they are looking for action on your part and not the fine details of your income and that you have done your part and that nothing will come of this. Your love for the company is obvious. I would not lose any sleep over this, this is a mature company you are dealing with and you can reason with them.
@red259 wrote:
@trant3 wrote:
Got the FR call today asked about income and etc and requested the 4506t form to be submitted with two prior years tax return. I have 3 accounts with Amex and recently opened the BCE 20 days ago. Not sure what triggered FR but I suspect my accounts will be closed. To be open and honest with the community, I did fluff my income when aping for the BCE and deserve the account closure of if it happens. Learn from me, disclose accurate info!
I'm going to be heart broken if my accounts close though, I've been with them since 2010Did you give an income that was a lot higher than what you had told them before? I just find it weird that you been with them since 2010 and now they FR you. You mentioned getting a new card 20 days ago. Was that part of a recent app spree? Any baddies show up on your credit reports or do you have higher than normal credit util at the time of the app? Any higher than normal spending patterns?
Probably this.
@Kidcat wrote:
@CreditCuriousity wrote:
@Anonymous wrote:
Actually my income can fluctuate by that much or even more, i am a salaried employee but also recieve bonuses and incentives based on my performance and company performance and now economy (oil and gas) .. in last three years 43k in bonuses, 29k in bonuses and most recently 73k in bonuses (it was a great year for me obviously) .. not encouraging any fibbing just being honest that some peoples income actually does fluctuate drastically year over year depending on occupation and especially in sales roles if that was the case for OP ...I agree although commissions and bonuses are never guranteed so what should one use? People that get bonuses/comissions including myself can either get 10-20% of their income or 0% based on how the company/themselves are performing. Thus I choose not to include them in my income. In the case of Amex they go off your last two tax statements thus I would probably choose what I could prove by those if I chose to include my bonuses which I don't in my income provided
I'm in the same boat. Just to be safe I only use my base salary, which for my purposes is more than sufficient for my level of credit.
That's what I do. I only report my base salary. My bonus income can vary so I just play it safe. However my salary is adequate for my apping needs.
@Loquat wrote:
@Imperfectfuture wrote:
@Loquat wrote:
@Falere wrote:Someone correct me if I'm wrong, but every poster I remember that complied with the request had their limits left alone or lowered; I don't recall any closures. Personally, I find what they're asking for to be quite invasive but to each their own.
I'm not familiar with what's included in the tax transcipt...but are dependents information included (such as name, dob, & ssn) or is it just the information of the tax payer? If dependents information is provided then I can maybe see a little hesitation with providing such...if not, then I don't understand why providing such info seems to be so intrusive...after all, it's not like they don't know everything about you anyway. They already have our name, address, dob, ssn, place of employment, and our "stated" income. If there was no lying on the app and dependent information isn't included, then why not comply?
Um, because, when OP said fluff income, OP was way over (from what I can tell) his/her income (getting greedy was the phrase used).
Oh understand the issue with the OP, my question was more for the poster Falere who mentioned the invasiveness.
That is what we call going off topic. 
. Let's try to keep this focused on the OP, and not varying personal opinions on other thoughts.