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Discover IT - Requesting SS and Utility Bill?

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-Wade-
Valued Contributor

Re: Discover IT - Requesting SS and Utility Bill?


@ways2go wrote:

what is there reasoning to ask for things like that for some people and not for others?   I'm just curious.  


I am guessing like if someone had just moved may a reason or something they see in one's credit file. No one really knows all the answers.

If you have a FA on file most of the time they will ask

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 11 of 33
-Wade-
Valued Contributor

Re: Discover IT - Requesting SS and Utility Bill?


@Anonymous wrote:

Come to think of it, they asked me how long I've resided at my current residence and I answered either one year or less. So, perhaps this is a way to confirm my move, which is significantly distant from my previous dwelling and previous transactions? Not sure.


That's more and likey the reason.

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 12 of 33
Anonymous
Not applicable

Re: Discover IT - Requesting SS and Utility Bill?

Should I wait for their decision before applying for additional cards? 

 

 

Message 13 of 33
-Wade-
Valued Contributor

Re: Discover IT - Requesting SS and Utility Bill?


@Anonymous wrote:

Should I wait for their decision before applying for additional cards? 

 

 


That will not have any affect on any other lenders. What cards are you wanting to app for???

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 14 of 33
azguy13
Senior Contributor

Re: Discover IT - Requesting SS and Utility Bill?

I agree with some of the previous posters. If the OP recently moved and the address on his app did not match what was currently on his report, then that is probably the reason behind it. 

 

Once I changed my mailing address on all my credit cards and they reported, my address was updated on the report and I was not asked to verify anything. Since I moved I have been approved for Discover and Amex 

Message 15 of 33
Anonymous
Not applicable

Re: Discover IT - Requesting SS and Utility Bill?

I could care less, actually. I'm just trying to increase my credit line(s) before dissapearing again. However, I'm always looking for a nice instant decision, unlike this Discover It experience thus far. Travel deals are my favorite. Smiley Happy

Message 16 of 33
-Wade-
Valued Contributor

Re: Discover IT - Requesting SS and Utility Bill?


@Anonymous wrote:

I could care less, actually. I'm just trying to increase my credit line(s) before dissapearing again. However, I'm always looking for a nice instant decision, unlike this Discover It experience thus far. Travel deals are my favorite. Smiley Happy


Just like AZ  said, if your credit file is not updated with your new addy then you will get the same thing ( You will have to Vertify your ID )

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 17 of 33
azguy13
Senior Contributor

Re: Discover IT - Requesting SS and Utility Bill?


@Anonymous wrote:

I could care less, actually. I'm just trying to increase my credit line(s) before dissapearing again. However, I'm always looking for a nice instant decision, unlike this Discover It experience thus far. Travel deals are my favorite. Smiley Happy


I love my Discover IT card. The rotating category is lame this quarter, but the 0% is fantastic. I mainly use my Discover IT and CSP. I could really use a gas card but I do not want any new TLs

Message 18 of 33
myjourney
Super Contributor

Re: Discover IT - Requesting SS and Utility Bill?


@Anonymous wrote:

I could care less, actually. I'm just trying to increase my credit line(s) before dissapearing again. However, I'm always looking for a nice instant decision, unlike this Discover It experience thus far. Travel deals are my favorite. Smiley Happy


Welcome to the forum

Forum trick 

Quoting 

Under message you wish to reply to 

Click reply 

Top right hand corner 

Click quote 

Enter response Smiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 19 of 33
Anonymous
Not applicable

Re: Discover IT - Requesting SS and Utility Bill?

I've been here for eight months, but I'm unaware of the time lines for update. You know, my initial AMEX CL was $7,500. . . . and that was over a year ago. Since then, I'm pretty sure I've injected over $15,000 of liquidity. The card is sitting at zero right now. . . maybe I should tell Discover It I'm leaning toward a CLI instead. Lol. 

Message 20 of 33
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