For Those Receiving 4506-C - What Bank and Data Points?

[Jazee]

For those that have received a 4506-C, which bank requested and what was your total credit limit for all accounts with the bank and/or stated income?  I heard AMEX is relative more common and the total credit limit is most likely the trigger (I read >= $35K)

[coldfusion]

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@Jazee wrote:

For those that have received a 4506-C, which bank requested and what was your total credit limit for all accounts with the bank and/or stated income?  I heard AMEX is relative more common and the total credit limit is most likely the trigger (I read >= $35K)

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AMEX will do it, but the $35K threshold is a legacy crowdsourced figure that based on data points suggested that the odds of a (then 4506-B) request went up if the requested CL was greater than $35K, not that it was an absolute. With regards to aggregate linit across all AMEX credit cards emperically odds appeared to go up when somewhere in the $75-$85K range, but in both senarios these thresholds were a big YMMV and dependent both upon each individuals credit profile and history with American Express.   We've had members here go over $50K on a single AMEX CC without triggering a 4506 request.

Discover is another issuer known to sometimes make 4506-C requests.

[Kforce]

Not a real data point but from just reading post.

I recall the other common issuer is Discover, and the request seem very

random not related to a CL request.

[PumpkinFarmer]

Discover will do one with thin files and if they can't verify income through their other sources like TheWorkNumber.