DISCOVER FORM 4506-T???

[Anonymous]

Depends.... 

Is it possible you froze your reports while applying for some reason?

Can you pull your EQ yourself?  I would start w/ an Adverse Action pull which is free since obviously lack of being able to pull it for a CC application and being denied because of the issue would qualify.

https://aa.econsumer.equifax.com/aad/landing.ehtml

If you can't pull it then there's a bigger issue going on behind the scenes. 

Either way make sure you can access your reports and if you want you can get all 3 w/ Fico's from creditchecktotal.com for $1 and cancel before the trial period is up.

[janov]

i've tried, on myfico, i've tried the adverse action and even to pay on equifax website. There is no way to access or see it. Even on phone they told me to mail them a bunch of paper because they can't find one neither for the free annual report. 

[Anonymous]

Then mail them what they're asking for to get it figured out.  Put a return receipt on it as well for documentation purposes.

[janov]

Hello, i wanted to update that also my wife receive the same 4506t request for her card. She opened her card like a couple of weeks before me and she used it without any problem til yesterday. Now of course she doesn't have a tax return like me so she prefer to close the card immediatly, but right now she has a balance so how does it work ? She'll probably able to pay it off next week but if we don't send the documents they gonna close it this friday. This is gonna be a like a missed payment if she doens't pay it before they close? 

[Anonymous]

Just make the payments when they're due.  Closed doesn't mean they won't take payments on it.  Just means you can't charge more to it.

[janov]

Oh great so she can close it and pay before the due date. It'll report on the credit score like a maxed out card? thank you!

[Anonymous]

No, it will report the balance / limit proportional UTIL as if it were still open.

[Anonymous]

Hello,My first post here..I applied for the Discover secured card got approved gave in my security despoit ..Got an email saying they received the despoit and I would be getting my card ten day after Sept 18 Yay ,Next day got call that they need me to fill out a  4506-T,I went on to explain to the rep do to a serious illness I was out of work for several years ( which made my credit a mess) but I am now back to work ..Was told they could not open account without form ..Okay not much I could have done ,two days later I get a discover card in the mail for an account that would not be opened ..moving forward I checked with experian,tu,eq to see that Discover dropped my score 5points ..All of this for a secured card that would not be opened 

any advise would be appericated 

ex-525

tu-515

eq-513

one charge off but is paid in full

one collection account that will fall off in may 2020 they wont delete with full payment Ca is erc

have one secure c1 card and I am au on a friends card 

[Anonymous]

Same thing happened to me today! I have a Discover unsecured $2,000 limit card and have had it for two months now, i filled out the form about a week ago. Then this morning at 6:00am received an email stating they were unable to verify my identify and closed my account....

This is such bad timing because I found a home I’m about to purchase, i think it will most likely ruin my chances of getting it now

[FireMedic1]

This has popped up recently out of nowhere. Check it out:

https://ficoforums.myfico.com/t5/Credit-Cards/Discover-4506-T-random/m-p/5750190#M1668731 

Sorry it happened. But if you have nothing to hide. Your employed. Just abide by their rules so you can get the card. The 5 points was for the HP to get approved. Dont waste it. Go for it. Good Luck!

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