@Curious_George2 wrote:
@Zosimus wrote:
So, I took a closer look at the 4506-T and saw that even if I filled out the form, nothing would happen. Since I filed jointly, it would require multiple signatures to release my 1040 to Equifax. Well, why not? I filled out the form and sent it in. I also got someone on the line, convinced them to send me a link, and I uploaded bank statements and pay stubs.
I think you are mistaken in the bolded part. The IRS instructions for Form 4506-T state: "Individuals. Transcripts of jointly filed tax returns may be furnished to either spouse. Only one signature is required."
All I can say is that the instructions say:
"**Please read message in its entirety before submitting form to prevent errors**
A hold has been placed on your account because the income stated on your application needs to be verified. To verify, you’ll need to complete, digitally sign and submit the IRS form 4506-T Request for Transcript of Tax Return. By completing and submitting this form, you consent to share your tax transcript with us for account management and income verification purposes. If we do not receive this form within 60 days, your account will be closed. To help get things started, we’ve pre-filled several of the form fields with information we had on file. However, there are other fields you’ll need to fill out in order to complete the form.
Please note the following before submitting:
• Lines 1a, 2a, 3, 4: The name(s) and address on the form must match the name(s) and address on your tax return. If it doesn’t, please correct the form.
• If you filed taxes jointly, the person that filed with you is required to sign the form. They must have a different email to have form sent. Please call the office to have joint form sent.
You can’t force a bank to give you credit...
