@JustcallmeTM wrote:
@fltireguy wrote:
I would worry
Sounds like the dreaded blue envelope is headed your way
It also has nothing to do with you carrying a balance either... they want income verification, and, more than likely they are going to send you a 4506-T form that you have to sign and send back to Lexis Nexis. I would advise that you think long and hard before sending in if that's the case, also, I don't know if I have heard of ANYONE getting their accounts restored afterwards
That's why I don't have any accounts with Sync- it wasn't worth itI've noticed alot of people freeze and lock there accounts due to that. Why are people so afraid of a public records database ? It look like a lot of people who gives advice and tell others to do that has either been through BK or judgements or owe money in other ways and or form or have court records and dont wan't others to know about it.
Freezing it makes you look suspect and also makes me questions ones motives and advice they give. LexisNexis looks for those who are hiding assets and business relations,etc... The more embarrasing part is mostly every motor vehicle dept in the the US uses that database locked or not. So everyone has to go through it at one point.
LexisNexis pretty much knows if you havent paid a library card. So I would assume most people who are afraid and lock it up have dirt on them ? If they have no dirt or negative or anything for that matter to come back at them why lock it ?.
Identity theft isnt an excuse most people can't use on here the way they hawk and abuse credit cards if one is constantly on top of promos and card then one stays on top of their reports which goes back to the orginal question, what have one done beyond that to avoid them searching through that database. If not someone have to really give a detailed reason on why and give a really good example of it and BK's dont count if you messed up, then own it and live with it, but hiding makes it seem like one is a dirtbag to continue being a dirtbag. I wouldn't want advice from those people.
I am only 28. I have never had a BK or judgement. I'm not worried about sending them what they are asking for. If they want to close my acocunts then fine, but I'm not sure what would have triggered it. I havent requrested an increase on any of their cards since maybe late 2015 early 2016. I pay on time every month, havent applied for anything since 2015, and no new inquiries in over a year. If anything, all of my 2015 inquires are almost fell off.
@Anonymous wrote:
@JustcallmeTM wrote:
@fltireguy wrote:
I would worry
Sounds like the dreaded blue envelope is headed your way
It also has nothing to do with you carrying a balance either... they want income verification, and, more than likely they are going to send you a 4506-T form that you have to sign and send back to Lexis Nexis. I would advise that you think long and hard before sending in if that's the case, also, I don't know if I have heard of ANYONE getting their accounts restored afterwards
That's why I don't have any accounts with Sync- it wasn't worth itI've noticed alot of people freeze and lock there accounts due to that. Why are people so afraid of a public records database ? It look like a lot of people who gives advice and tell others to do that has either been through BK or judgements or owe money in other ways and or form or have court records and dont wan't others to know about it.
Freezing it makes you look suspect and also makes me questions ones motives and advice they give. LexisNexis looks for those who are hiding assets and business relations,etc... The more embarrasing part is mostly every motor vehicle dept in the the US uses that database locked or not. So everyone has to go through it at one point.
LexisNexis pretty much knows if you havent paid a library card. So I would assume most people who are afraid and lock it up have dirt on them ? If they have no dirt or negative or anything for that matter to come back at them why lock it ?.
Identity theft isnt an excuse most people can't use on here the way they hawk and abuse credit cards if one is constantly on top of promos and card then one stays on top of their reports which goes back to the orginal question, what have one done beyond that to avoid them searching through that database. If not someone have to really give a detailed reason on why and give a really good example of it and BK's dont count if you messed up, then own it and live with it, but hiding makes it seem like one is a dirtbag to continue being a dirtbag. I wouldn't want advice from those people.
I am only 28. I have never had a BK or judgement. I'm not worried about sending them what they are asking for. If they want to close my acocunts then fine, but I'm not sure what would have triggered it. I havent requrested an increase on any of their cards since maybe late 2015 early 2016. I pay on time every month, havent applied for anything since 2015, and no new inquiries in over a year. If anything, all of my 2015 inquires are almost fell off.
If it is a 4506 request I assume they just want to make sure you have the income to support if you ever charged up to say 85k (your exposure limit) based on your signature with them? Sync along with Discover and Cap1 and sure other lenders have had a big up-tick in CO's recently and guessing they are just covering their arse's. Best of luck and hopefully just a verification issue.
Hence why you don't see many CLI's from Discover anymore along with alot less Cap1 approvals and smaller SL's on Sync cards such as paypal 2% card, etc. All this I would bet is a direct or indirect impact of their losses.
@CreditCuriousity wrote:
@Anonymous wrote:
@JustcallmeTM wrote:
@fltireguy wrote:
I would worry
Sounds like the dreaded blue envelope is headed your way
It also has nothing to do with you carrying a balance either... they want income verification, and, more than likely they are going to send you a 4506-T form that you have to sign and send back to Lexis Nexis. I would advise that you think long and hard before sending in if that's the case, also, I don't know if I have heard of ANYONE getting their accounts restored afterwards
That's why I don't have any accounts with Sync- it wasn't worth itI've noticed alot of people freeze and lock there accounts due to that. Why are people so afraid of a public records database ? It look like a lot of people who gives advice and tell others to do that has either been through BK or judgements or owe money in other ways and or form or have court records and dont wan't others to know about it.
Freezing it makes you look suspect and also makes me questions ones motives and advice they give. LexisNexis looks for those who are hiding assets and business relations,etc... The more embarrasing part is mostly every motor vehicle dept in the the US uses that database locked or not. So everyone has to go through it at one point.
LexisNexis pretty much knows if you havent paid a library card. So I would assume most people who are afraid and lock it up have dirt on them ? If they have no dirt or negative or anything for that matter to come back at them why lock it ?.
Identity theft isnt an excuse most people can't use on here the way they hawk and abuse credit cards if one is constantly on top of promos and card then one stays on top of their reports which goes back to the orginal question, what have one done beyond that to avoid them searching through that database. If not someone have to really give a detailed reason on why and give a really good example of it and BK's dont count if you messed up, then own it and live with it, but hiding makes it seem like one is a dirtbag to continue being a dirtbag. I wouldn't want advice from those people.
I am only 28. I have never had a BK or judgement. I'm not worried about sending them what they are asking for. If they want to close my acocunts then fine, but I'm not sure what would have triggered it. I havent requrested an increase on any of their cards since maybe late 2015 early 2016. I pay on time every month, havent applied for anything since 2015, and no new inquiries in over a year. If anything, all of my 2015 inquires are almost fell off.
If it is a 4506 request I assume they just want to make sure you have the income to support if you ever charged up to say 85k (your exposure limit) based on your signature with them? Sync along with Discover and Cap1 and sure other lenders have had a big up-tick in CO's recently and guessing they are just covering their arse's. Best of luck and hopefully just a verification issue.
Hence why you don't see many CLI's from Discover anymore along with alot less Cap1 approvals and smaller SL's on Sync cards such as paypal 2% card, etc. All this I would bet is a direct or indirect impact of their losses.
I know its more about income verification but so many people seem spooked on LexisNexis and some other databases. If you have nothing to hide then your good, but I wouldn't advice anyone to lock it up or avoid it unless you have something to hide.
It's also why they are pushing out FICO9 as fast as possible it mimicks vantagescore 3 which most people hate on here because it keeps them in check. One thing I noticed FICO9 hates app sprees and PIF reports, I believe the way these banks want you to use there card is different they are pushing the leave a balance let it report then after it statement cuts PIF. Meaning use it like a charge card to you show every bank you use the card and can pay.
@JustcallmeTM wrote:
@CreditCuriousity wrote:
@Anonymous wrote:
@JustcallmeTM wrote:
@fltireguy wrote:
I would worry
Sounds like the dreaded blue envelope is headed your way
It also has nothing to do with you carrying a balance either... they want income verification, and, more than likely they are going to send you a 4506-T form that you have to sign and send back to Lexis Nexis. I would advise that you think long and hard before sending in if that's the case, also, I don't know if I have heard of ANYONE getting their accounts restored afterwards
That's why I don't have any accounts with Sync- it wasn't worth itI've noticed alot of people freeze and lock there accounts due to that. Why are people so afraid of a public records database ? It look like a lot of people who gives advice and tell others to do that has either been through BK or judgements or owe money in other ways and or form or have court records and dont wan't others to know about it.
Freezing it makes you look suspect and also makes me questions ones motives and advice they give. LexisNexis looks for those who are hiding assets and business relations,etc... The more embarrasing part is mostly every motor vehicle dept in the the US uses that database locked or not. So everyone has to go through it at one point.
LexisNexis pretty much knows if you havent paid a library card. So I would assume most people who are afraid and lock it up have dirt on them ? If they have no dirt or negative or anything for that matter to come back at them why lock it ?.
Identity theft isnt an excuse most people can't use on here the way they hawk and abuse credit cards if one is constantly on top of promos and card then one stays on top of their reports which goes back to the orginal question, what have one done beyond that to avoid them searching through that database. If not someone have to really give a detailed reason on why and give a really good example of it and BK's dont count if you messed up, then own it and live with it, but hiding makes it seem like one is a dirtbag to continue being a dirtbag. I wouldn't want advice from those people.
I am only 28. I have never had a BK or judgement. I'm not worried about sending them what they are asking for. If they want to close my acocunts then fine, but I'm not sure what would have triggered it. I havent requrested an increase on any of their cards since maybe late 2015 early 2016. I pay on time every month, havent applied for anything since 2015, and no new inquiries in over a year. If anything, all of my 2015 inquires are almost fell off.
If it is a 4506 request I assume they just want to make sure you have the income to support if you ever charged up to say 85k (your exposure limit) based on your signature with them? Sync along with Discover and Cap1 and sure other lenders have had a big up-tick in CO's recently and guessing they are just covering their arse's. Best of luck and hopefully just a verification issue.
Hence why you don't see many CLI's from Discover anymore along with alot less Cap1 approvals and smaller SL's on Sync cards such as paypal 2% card, etc. All this I would bet is a direct or indirect impact of their losses.
I know its more about income verification but so many people seem spooked on LexisNexis and some other databases. If you have nothing to hide then your good, but I wouldn't advice anyone to lock it up or avoid it unless you have something to hide.
It's also why they are pushing out FICO9 as fast as possible it mimicks vantagescore 3 which most people hate on here because it keeps them in check. One thing I noticed FICO9 hates app sprees and PIF reports, I believe the way these banks want you to use there card is different they are pushing the leave a balance let it report then after it statement cuts PIF. Meaning use it like a charge card to you show every bank you use the card and can pay.
@JustcallmeTM wrote:
@CreditCuriousity wrote:
@Anonymous wrote:
@JustcallmeTM wrote:
@fltireguy wrote:
I would worry
Sounds like the dreaded blue envelope is headed your way
It also has nothing to do with you carrying a balance either... they want income verification, and, more than likely they are going to send you a 4506-T form that you have to sign and send back to Lexis Nexis. I would advise that you think long and hard before sending in if that's the case, also, I don't know if I have heard of ANYONE getting their accounts restored afterwards
That's why I don't have any accounts with Sync- it wasn't worth itI've noticed alot of people freeze and lock there accounts due to that. Why are people so afraid of a public records database ? It look like a lot of people who gives advice and tell others to do that has either been through BK or judgements or owe money in other ways and or form or have court records and dont wan't others to know about it.
Freezing it makes you look suspect and also makes me questions ones motives and advice they give. LexisNexis looks for those who are hiding assets and business relations,etc... The more embarrasing part is mostly every motor vehicle dept in the the US uses that database locked or not. So everyone has to go through it at one point.
LexisNexis pretty much knows if you havent paid a library card. So I would assume most people who are afraid and lock it up have dirt on them ? If they have no dirt or negative or anything for that matter to come back at them why lock it ?.
Identity theft isnt an excuse most people can't use on here the way they hawk and abuse credit cards if one is constantly on top of promos and card then one stays on top of their reports which goes back to the orginal question, what have one done beyond that to avoid them searching through that database. If not someone have to really give a detailed reason on why and give a really good example of it and BK's dont count if you messed up, then own it and live with it, but hiding makes it seem like one is a dirtbag to continue being a dirtbag. I wouldn't want advice from those people.
I am only 28. I have never had a BK or judgement. I'm not worried about sending them what they are asking for. If they want to close my acocunts then fine, but I'm not sure what would have triggered it. I havent requrested an increase on any of their cards since maybe late 2015 early 2016. I pay on time every month, havent applied for anything since 2015, and no new inquiries in over a year. If anything, all of my 2015 inquires are almost fell off.
If it is a 4506 request I assume they just want to make sure you have the income to support if you ever charged up to say 85k (your exposure limit) based on your signature with them? Sync along with Discover and Cap1 and sure other lenders have had a big up-tick in CO's recently and guessing they are just covering their arse's. Best of luck and hopefully just a verification issue.
Hence why you don't see many CLI's from Discover anymore along with alot less Cap1 approvals and smaller SL's on Sync cards such as paypal 2% card, etc. All this I would bet is a direct or indirect impact of their losses.
I know its more about income verification but so many people seem spooked on LexisNexis and some other databases. If you have nothing to hide then your good, but I wouldn't advice anyone to lock it up or avoid it unless you have something to hide.
It's also why they are pushing out FICO9 as fast as possible it mimicks vantagescore 3 which most people hate on here because it keeps them in check. One thing I noticed FICO9 hates app sprees and PIF reports, I believe the way these banks want you to use there card is different they are pushing the leave a balance let it report then after it statement cuts PIF. Meaning use it like a charge card to you show every bank you use the card and can pay.
OK, we get it, you're a LN and data fan, but the sake of this thread, let's leave out the particulars and guessing on FICO scoring, LN, etc. This thread is starting to take a turn from what the OP originally posted about, so lets leave out all the conspiracy theories and keep it to topic. You're more than welcome to start a new thread about all that in General Topics or Scoring.
OP...Sorry for the temporary closure, but as others have stated, it could be blue envelope, or the letter with a code. Please come back and update this thread once you know for sure.