For verifying ID, or SSN credit card companies might request you fill out a SSA-89 to verify your identity, or SSN number. The IRS IVES Request for Transcript of Tax Return (IRS Form 4506-C) gives the lender permission from the borrower to obtain tax transcripts from the IRS. These are often used to cross-reference with your tax return to verify your income information. . Complete a blank sample electronically to save yourself time and money. I believed this is because I change my income after hitting the love button last. 450633 is a Visa Premier credit card issued by Banco Gallego, S. Equifax automates the 4506-T process, its very easy to look at income on 4506-T and income reported to Disco and act accordingly. NFL NBA Megan Anderson Atlanta Hawks Los Angeles Lakers Boston Celtics Arsenal F. ) Note: An alternate form or process is also acceptable if it authorizes the. Discover requesting 4506-T. You still give permission for the returns, but they. 4506-C Again. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. There’s no possibility of fraud or altered. And yes, if you don’t complete the step, you’ll be declined. It sounds strange to me because this may i was approved by discover for all 3 cards and they didnt ask me for anything, nada. Funny story. I recently applied and was initially approved for a discover it card. 3. Discover It (Recently Unsecured) $1,800 Limit ($200 originally) The Discover card was opened in September of last year. Your Personal Banker will give you a personalized quote and answer any questions you may have. Unfortunately, I haven't been up to date with Discover's known rule about acct closure with respect to not providing tax info. I believe they were all for new accounts and a couple of them were even for secured accounts. The Access Code is the 5 digit zip code on file with Discover and the last 4 of your social security number (SSN). I had to submit one for my recent mortgage because I have a side business listed as a sole proprietor with business income & debt. . (9/2023) FICO 8 (EX) 825 (TU) 841 (EQ) 848. 5k. The Real Housewives of Atlanta The Bachelor Sister Wives 90 Day Fiance Wife Swap The Amazing Race Australia Married at First Sight The Real Housewives of Dallas My 600-lb Life Last Week Tonight with John. : 5000-844866. Here’s the problem:I don't think lenders would need to be so draconian as to request a 4506-C from most prospective borrowers, simply ask the borrower for permission to verify their income from their employers. , you should be able to have the form notarized in whatever state you're currently traveling in. 5K CL. 5k. In fact, beginning in Summer 2019, Discover started sending out an IRS Consent Form 4506-T to people who requested new credit products, credit limit increases, unusual purchase activity, and high credit limits. The December Selling Guide update will include. There are multiple threads on the myfico forums of people being required by discover to provide 4506-T or have their accounts shut down. ó. I recently charged it nearly to its max over the last 2 months due to my. Once Discover has received and processed the IRS information, you will be contacted in writing to advise that the review of your account is completed. Most lenders use the form to verify the self-reported income portion of your application to your tax return. @Obscure-Expert wrote: It's a simple process. 4506 Summit St is a townhouse currently priced at $1,100,000, which is 4. Line 1b: Enter your Social Security number. they can't consider you for credit line increases with. I was approved a little over a month ago for the Discover It Cash Back card. AMEX normally does not take AA against existing accounts if you do not give approval to a 4506-T request but they also normally do not forget the request. Hold placed on my account until I give consent. I cannot say I've ever seen income verification for secured card. I was approved for a $6500 SL now I'm received this request. Happened to me, regular reconsideration or increase asked me for the same documents they requested on September that the congressional inquiry. Nearby recently sold homes. Go to the e-autograph tool to e-sign the template. B_Huxley. I call Discover again and asked what I should do. I've been reading the boards for close to a year now and after today decided to post. For example, it is necessary to complete two IRS Form 4506-Cs for a self-employed borrower whose income documentation includes both two years of personal tax returns and two. I have $8,67. ó. The exception was the Citi Aadvantage Amex, where Citi wants me to send them an IRS Form 4506-T, Request for Transcript of Tax Form. All forms are printable and downloadable. about obtaining a signed Form 4506-C from the borrower. Another Discover 4506-C Request - Submitted - Updating for DP collection. Hello all, for the past year I have built my credit from a 502 to a 707 (Credit Karma Score) using a Wellsfargo Secured Card (300 CL), Credit One Platinum (450 CL), and a Gamestop Retail Card (250 CL). Forms with missing signatures or required signatures’ information will be rejected. They sent me another email today saying to call again to the Customer service protection line and they said they are doing this with old and new accounts accross the board, they just want to veryfy the. ” – (BOLD MINE) Received an email from Disco asking me to sign consent for IRS 4506-C form. 11-2021 Page Section references are to the Internal Revenue Code unless otherwise noted. 1. The IRS IVES Request for Transcript of Tax Return (IRS Form 4506-C) gives the lender permission from the borrower to obtain tax transcripts from the IRS. Have had them for 10+ years. Thank you very much. (Have not received 4506T request, just being cautious) Goal: Mortgage/Chase Trifecta. I am still fairly new to credit cards and in the process of building credit for the very first time. 4506-C (September 2020) Department of the Treasury - Internal Revenue Service. . Re: Amex requesting Form 4506-T, Request for Transcript of Tax Return. . IVES Request for Transcript of Tax Return. The team is available Monday through Friday, from 8:00AM-9:00PM Eastern Time, and Saturday 8:00AM-4:30PM Eastern Time. Use Form 4506 to request a copy of your tax return. American Express and Discover are the two main credit issuers who routinely request Form 4506-T to verify your income. I read about all I can about the 4506-T and HUCA 3 times asking for a work-around. this basically means they (the credit card issuer) are having trouble verify with a certain degree of accuracy the income being stated against their sources of data to validate th. Form 4506-C: IVES Request for Transcript of Tax (IRS) On average this form takes 8 minutes to complete. Billing questions 1. For more information about Form 4506-C. Future Developments For the latest Having a discover card is very risky now-a-days to those who couldn't prove their income for credit limit that have. Billing questions 1. Should be signed exactly as name appeared on tax return for the most recent tax year requested. TU:837 09/19/23 Bank of America--EX: 841 09/20/23 Experian--EQ:832 09/21/23 myFICO--Gardening since N/A. . This form is typically used when a taxpayer needs to provide their tax information to a lender or other third party for a loan application or other purpose. My initial instinct was this could be related to how Discover chooses to navigate Ability to Pay rules - i. The last time Discover granted me a CLI was in March 2020, which took me from $19k to $21. After that, they denied my requests more than 15 times :smileylol: A couple of Sundays ago, I went for it again just for S&G expecting another denial. The 4506-T form says: “The IRS can provide a transcript that includes data from these information returns. e. After mailing the form, it can take up to 75 days to get a copy of your return – and it costs you $50 per return. Television. Re: Random Discover 4506-C Request. $25,000 annual income. Saving you the time and expense of having to resubmit. IRS issues updated IRS Form 4506-C. But be prepared to wait. Sorry to hear that nonsense from Discover. They define households as people who share expenses and live together, and who are on the same lease. I would call them as say to them what you are telling us. We would like to show you a description here but the site won’t allow us. In this video I going to cover what are your options and share with your what I did for. Thieves attempt to gain access to transcript data. May have been triggered by not using the card much the last 6. Quick steps to complete and e-sign Form 4506 c online: Use Get Form or simply click on the template preview to open it in the editor. IRS Form 4506-C can be used to obtain transcripts for up to four years or tax periods but only one tax form number can be requested per each IRS Form 4506-C. 4506 c form pdf Form 4506C (June 2019 D R A FT Department of the Treasury Internal Revenue Services Request for Transcript of Tax Return OMB Number 1545Do not sign this irs form 4506 c Cat. SCEflyer. My other posts will show I started making credit moves in the last month, so that may be what prompted the request. Honestly, Discover would do better to just deny the app outright than ask for tax returns on a SCC. Ask Poli AskPoli. 10-2022) Form . OMB Number 1545-1872. Our representatives are available Monday through Friday, from 8:00AM-9:00PM Eastern Time, and Saturday 8:00AM-4. Do not sign this form unless all applicable lines have been completed. As to manage risk, some issuers request income verification, and if you search this sub you’ll see others with similar experiences and/or people that received requests to submit the IRS 4506-T/C tax forms to allow sharing of ones tax returns. 4506-C (October 2022) Department of the Treasury - Internal Revenue Service. This is a request to verify your income. by darkweiss26. Well, Discover requested 4506-C from IRS. I have been waiting now for two weeks, and I would like to be able to use my credit card, but it seems like this has been going on forever. During the homeowner assistance process, you may need to submit a variety of documents to help us understand your financial situation. There have been some data points in the past that suggest a CLI request made when TCL across American Express-issued CC is already somewhere around $75-$85K can sometimes lead to a 4506 request but that isn't definitive either. Some lenders may submit the Form 4506-C to the IRS to document borrower income, but the intent ofDear Customer, The Income Verification Express Service (IVES) program is used by mortgage lenders and others within the financial community to confirm the income of a borrower during the processing of a loan application. Now they again ask for 4506-T. Even though I have bought and sold over 1. Credit card issuers are required by law to consider your ability to repay debt prior to extending a new line of credit. This is not an address verification method. Request may be rejected if the form is incomplete or illegible. Discover asking me for 4506-C form Greetings everyone! I'm 18 and I have a credit card with Discover. Never has applied for credit, he's 28, always paid cash for everything. "The California Clean Vehicle Rebate Project, or CVRP, is a popular California EV rebate that can save buyers money on an EV, plug-in hybrid, or hydrogen fuel cell car. 4 beds. The tax transcript contains information from a variety of. Financial data remains fully visible to allow for tax preparation, tax representation, or. Or 2019 2020 ( last 2 years). A Form 4506-T is a request for a transcript of your tax return. Taxpayers can have a copy of most forms, including forms 1040. I applied for the Citi Premier when they had the 60K TYP offer going. Re: Discover 4506-C Secured Request ~ Declined. Two items were changed from the previously published draft. Re: Barclays 4506T Request. Do not sign this form unless all applicable lines have been completed. How long will it take?They also told them that once they sign the 4506-T and they got the information back from the IRS, they would give OP other options to show whatever proof they had. Hi everybody my little brother turned 18 on august 30 i advised him to start with secured card from discover so he did apply and got approved he is jus turned 18 and he started working couple month ago at subway making approximately 1800 a month and he is full time college student to so he received email to sign form 4506 t we tried to explain discover. The IRS Form 4506-C is an information request form used by banks and other lenders to verify a borrower’s identity and tax information, and to obtain copies of past tax returns. If you dont have income, you usually wont get a card. Amex requested 4506T. 5k. Sometimes, Discover would instead ask for 3 bank statements to show that you are good for it when it comes to having money to pay off the card. The verification process seems very intrusive though. Line 2a: Enter your spouse’s name if you filed a joint return. Your lender may ask you to provide the tax return information, and you have to send the form to the. Hello – Does Citi generally make a lot of requests for 4506-T when requesting a CLI? Wells Fargo did earlier this year for me (but changed their mind for some reason), and AmEx did when I applied recently -- but that was expected because of my history with them. Line 3: Enter your current address. Fast, electronic processing of Form 4506-C. ó. . Discover It asking for 4506-C : r/CreditCards View community ranking In the Top 1% of largest communities on Reddit Discover It asking for 4506-C So was recently approved. 4506-T is for IRS transcripts and won't help Discover much when they need to really be asking for a SSA-89 which verifies your SSN throught he SSA and not he IRS. ” (84 FR 35709 [2019]) Written comments on the new form were required to be received by the IRS on or before September 23, 2019. The IRS IVES Request for Transcript of Tax Return (IRS Form 4506-C) gives the lender permission from the borrower to obtain tax transcripts from the IRS. Why is discover asking for 4506-c? It allows the financial institution or credit issuer to look into your IRS tax returns. However now I cannot activate my card until I sign this 4506-C "IVES Request for Transcript of Tax Return" document and supply Discover with 3 months of bank statements. Discover Enhanced Verification 4506c Question. Renters and homeowners alike may borrow up to $40,000 ($100,000 for Disasters declared on or after July 31st) to repair or replace personal property. This is a request to verify your income. 5 bathrooms. For more information about Form 4506-C. I have 2 cards from them they never asked for anything. Apped for Amex, entered his $95,000 income, and they sent a letter asking for a 4506T Tax Return Form. Major changes to the form include: Reminder: Participants must be authorized to submit electronic signatures. I asked him if he had my signed 4506 on file. - If you get a 4506-C request, use the Back function of your browser - left-facing arrow in the top left if using Firefox for example - to go back to the page where you typed in the requested credit limit. So when they ask for something and someone else received it and uploaded it to wherever file they put them another department will ask for it again until it’s uploaded to where they really want it. After activating the card, I got an email saying I had to fill out the IRS Consent Form 4506-C. That said, since increasing your line of credit does require the bank to verify that you. From past data points, it appears that 4506-C reviews typically take a week or two (and sometimes as long as three weeks) for Discover to process. . A 4506-T form can be used to request transcripts of a Form 1040 individual tax return, or transcripts from Forms W-2, 1098, 1099 and 5498. Incorrectly filled fields, marks outside itemized formatting, or failure to properly review new fields and checkboxes could slow processing time or require re-submission of the form. The latest changes to Form 4506-C require careful review. wrote: wrote: wrote: Call Discover and verify this wasnt a computer malfunction $500 secued card???? Gotta be a screw up unless you accidently put down $450. I've been with them for 3 months, and just now I got an email from them requesting a 4506-C form, supposedly to verify my account, and that my credit card has been put on hold. I was wondering if anyone had an idea of how long it took them to have their form accepted by Discover. MAJOR Discover Change - NIGHTMARE ! So, applied for Discover 1 month ago -- after sending in the ridiculous 4506-T form via email, I waited three more weeks to "verify my idenidty" via this form. Download . Thanks for expanding on that and the update @GApeachy You're correct, the OP had a 4506-T instance with Discover and they had questions about applying for the JetBlue card about a year or so ago. . Asking because I included DW's income when I app'd and got approved, but we file separately. IVES Request for Transcript of Tax Return. In our latest webinar, we explain the changes, requirements, and. Based on past data points,. Ive had my Discover for about 5 years. We would like to show you a description here but the site won’t allow us. Income verification for participants. The document must be signed and dated in ink or digital e-certified electronic signature (digitized version of your handwritten signature). Discover (secured) requested 4506-T form. Previously, IRS Form 4506-T was used for this purpose; however, effective May 1, 2021, only Form 4506-C will be accepted through IVES to provide tax transcripts to third parties. The strange thing is that I've had the Disco card for over 3 years and have not provided any income to them since the day I opened the account, nor have I. Fannie Mae requires lenders to have each borrower whose income (regardless of income source) is used to qualify for the loan to complete and sign a separate IRS Form 4506-C at or before closing. Discover definitely needs to be called out on this. You can also designate (on line 5) a third party to receive the information. Hold placed on my account until I give consent. It is mandatory. . To learn more about individual documents, and to download copies of selected forms, choose from the links below. Discover card is Asking. So they are asking mortgage applicants to sign the IRS Form 4506, which is technically called a “Request for Copy or Transcript of Tax Form” as part of the mortgage application process. 3. ; Make an entry for at least one tax period under the Tax Period Requested (date period ended MM/DD/YYYY) (MANDATORY) input section by inputting the date the tax period. For more information about Form 4506-C. Homeowners may apply for up to $200,000 ($500,000 for Disasters declared. Unlike the federal tax credit or manufacturer EV rebates, the CVRP is an after-purchase discount that's available to those who meet certain eligibility criteria. To fill out the form, you will need to provide basic information about yourself and the tax return you are requesting. The same day of the application I submitted the form 4506-C. Yesterday i get an email from equifax verification services stating that DFS is requesting a FORM 4506-T to verify the income i out on the application, i called and told. ) Note: An alternate form or process is also acceptable if it authorizes the. IRS Form 4506-C. 4506-C (9-2020) Form . Discover requested 2 years of tax returns using Equifax as a partner via 4506-c form for a $500 limit SECURED credit card. Automated methods for obtaining tax transcripts being unavailable. A little bit of background: 32 yea. The much more intensive use of Form 4506-T also is focusing new light on what consumers should -- and shouldn’t -- do when confronted with a lender’s or settlement agent’s request that they. Question about lenders obtaining tax transcripts. No paper. The article explains why Am. From local news and events to breathtaking scenery and outdoor activities, this community is a hub for British Columbians and anyone interested in the region. It allows the financial institution or credit issuer to look into your IRS tax returns. Usually they ask Social Security Administration Form SSA-89 to verify your basic information. For more information about Form 4506-C. If they close the account, that's fine. Good luck all. 10k limit. There is no fee for transcripts. 5(c) Information about a spouse or former spouse — (1) General rule. IVES Request for Transcript of Tax Return. , you should be able to have the form notarized in whatever state you're currently traveling in. The tax transcript contains information from a variety of. The IRS IVES Request for Transcript of Tax Return (IRS Form 4506-C) gives the lender permission from the borrower to obtain tax transcripts from the IRS. Click the New Document option above, then drag and drop the file to the upload area, import it from. of the corporation may submit a Form 4506 but must provide documentation to support the requester's right to receive the information. Transcript delivery in hours. 5 (a) (ii) because of an IRS form change, the Seller will not be penalized for being. Fannie. . The information provided will be used to search the taxpayers account and provide the requested information and to. I was approved a little over a month ago for the Discover It Cash Back card. The IRS Form 4506-C is a Request for Copy of Tax Return form that can be used to request copies of a taxpayer’s tax returns. A 4506-C is used through an authorized third party participant in the IRS Income Verification Express Service (IVES). Hi guys, I've recently looked in to check on my credit scores after not having a credit card for maybe 8 years. I called them and asked if I can provide any other documentation and it was a hard no. I don't understand why Discover is asking for 4506-T's on secured credit cards. After reading lots of good things about Discover here, I applied and was approved for a Discover Secured Card. 3. Where as a 4506-T is a request for tax documents directly from the IRS. Forms with missing. (Forms 4506-T and 4506T-EZ are used by taxpayers to request a transcript of tax return. I’m NOT giving Discover access to my personal finance/tax documents. Future Developments For the latestHaving a discover card is very risky now-a-days to those who couldn't prove their income for credit limit that have. When I open it, it's really a form 4506-T, which is normally a tax transcript from IRS for income verification. I recently applied and was initially approved for a discover it card. First post, hope this finds the correct place and people. I got a request from Discover to consent to a 4506-C form or they would close my account in 5 days. Transcript delivery in hours. 41721E Form 4506 Rev. SBA may send an inspector to estimate the cost of your damage once you have submitted your loan application. So, listing your annual income is a requirement on every credit card application. Re: Amex requesting Form 4506-T, Request for Transcript of Tax Return. Taxpayers using a tax year beginning in one calendar year and ending in the following year (fiscal tax year) must file Form 4506-T to request a return transcript. @rare_tea5155. I'm a business owner - so I use my cards constantly for points and cash back but usually rarely cary a ballance. Generally, Form 4506 can be signed by any person who was a member of the partnership during any part of the tax period requested on line 7. A 4506-T form does not verify your address. Never late, never over the limit, moderate usage etc. Most lenders use the form to verify the self-reported income portion of your application to your tax return. Do not sign this form unless all applicable lines have been completed. No big deal, I signed it. Password based signatures should be used in conjunction with PKI, signature stamps, electronic seals as well as simple click-wrap. Send us paperwork. About 8 or 9 days have passed by and I get an email one morning with Equifax Verification Services at the top asking me to put my signature on an IRS consent for form for the 4506-C and then. 5k. I then received a letter asking me to provide a 4506-C, which authorizes Amex to take a look at my tax returns. . It will allow the financial institution or credit card issuer to review your tax returns with the IRS. Discover requesting 4506-T. File size: 77KB. The expected result is a significantly faster income verification process. If they will not grant the card on that basis, you may have to do the secured Discover IT route. Partnerships. Form 4506-T is used to request all products except copies of returns. credit card nightmares american express income taxes IRS tax returns credit cards. Of recent it seems to be a new Discover requirement. The 4506 - T form says: “The IRS. 03. in Spain. You usually can instead get your hands on a tax. Congrats . Are you saying they took your security deposit and then asked you for a 4506-T? If so that is complete BS. I told the lady that my income on my 2022 tax return was way different than what I was making now and it wouldn’t match my application. Seems like its always Discover that does that for secured cards mostly. As for 4506-C, totally up to you. After that, they denied my requests more than 15 times. IRS Consent Form 4506-C to Sign Discover. If you have any questions, our Customer Service Team is available 24/7 to assist at 1-800-347-2683. So pay attention to: Zip code +4 - many tax prep software default to include that. . 000 They sent me another email today saying to call again to the Customer service protection line and they said they are doing this w. And reports suggest it is a Discover issue, just google "Discover IRS 4506" and there's plenty posts on reddit and elsewhere. $500 secued card???? Gotta be a screw up unless you accidently put down $450. As u/soosyq notes, the main purpose of the 4506-C isn't to verify your identity, but rather to verify your income based on your federal tax records. Now that you know why your bank wants this information, you’re probably wondering whether or not you have to give it to them. . Transcript requests being rejected by the IRS with a Code 10 indicating that Due to Limitations, the IRS is unable to process this request; Transcript being rejected because of missing, incomplete, illegible, or altered information on the Form 4506-C (codes 1-9); or. It's nothing personal; Discover these days is basically requiring everyone (including longtime cardholders of many years) to go through the 4506-C process. . Complete the necessary fields that are marked in yellow. 4k I have a $0 balance and always PIF My other posts will show I started making credit moves in the last month, so that may be what prompted the request. Real-time status updates. The purpose of this Notice is to inform all SBA employees and SBA Lenders that the Internal. Fannie Mae customers! Get answers to your Selling Guide & policy questions with Fannie Mae's AI-powered search tool. Even though I have bought and sold over 10 cars in the. Tips for a successful 4506-C/tax transcript process • Add checks in pre-funding QC, pre-purchase QC, and closing package reviews to analyze the signed Form 4506-C to ensure it is completed correctly. Re: Random Discover 4506-C Request 5 years one month after IIB Amex, I applied for an Amex Gold. IVES Request for Transcript of Tax Return. For example, it is necessary to complete two IRS Form 4506-Cs for a self-employed borrower whose income documentation includes both two years of personal tax returns and two. S. So was recently approved for a Discover It and today discover is asking for the last 2 years of my taxes. We are pleased to announce that the Form 4506-C is published and currently available online. Use this link below as a template for filling out your 4506. IVES Request for Transcript of Tax Return For Privacy Act and Paperwork Reduction Act Notice, see page 2. I’m NOT giving Discover access to my personal finance/tax documents. Cash Back and SUBs earned as of 5/1/22- $14277. I don't recommend the card anymore just because of this common request. I have a $0 balance and always PIF. I applied for the Platinum Card about 2 weeks ago and it went straight into a review phase. No way to know what caused it. Another Discover 4506-T @Nomad3 wrote: Not to threadjack, but. Discover 4506-t. IMHO, call the AMEX backdoor number, can be found on myFICO forums/ DoC. If they don’t, still got your answer 😀. Request may be rejected if the form is incomplete or illegible. of the corporation may submit a Form 4506 but must provide documentation to support the requester's right to receive the information. ) Return to top. Do not sign this form unless all applicable lines have been completed. The percentage could be 5-10% to account for guesses or bonuses etc. g. No software installation. I have two cards at the moment; 1. 5. Request may be rejected if the form is incomplete or illegible. IRS Form 4506-C can be used to obtain transcripts for up to four years or tax periods but only one tax form number can be requested per each IRS Form 4506-C. He said he did. 4506-C (Rev. Compare income documents and information (e. That is why during closing lenders ask borrowers to sign a 4506 form. Use the Cross or Check marks in the top toolbar to select your answers in the list boxes. You need verifiable income. I'd been asking for CLIs for several months, probably over a year and always denied. I probably could of had them return my deposit and be done with them. Immediately called to close the card. I'll try to sum up quickly my experience with the 4506-C request I received from Discover. What no one knows yet is what triggers it but it is not your address. Discover In Summer 2019, Discover started sending out. Nothing he says is meant to be taken serious, This channel is for entertainment purpose. Lots of threads here of recent about it. My Experian Fico 8 is 590. I was approved for the Secured Discover and i put $500 down for it, they got the money and opened the account, havent received card yet even though sais it on the way. g. The lender will compare the income. IVES Request for Transcript of Tax Return. If Discover has an issue with your address they will not send you a card until you provide proof of address. If lenders wish to request the actual tax return, they will need to use IRS form 4506. Generally, Form 4506 can be signed by any person who was a member of the partnership during any part of the tax period requested on line 7. No. Convenience: The website. Signatory attests that he/she has read the above attestation clause and upon so reading declares that he/she has the authority to sign the Form 4506-C. On April 8th I was approved for a $12k credit limit. I'm preparing for my AmEx 3x CLI (my 60 days from account open is almost up!) My card got a SL of $14,500 and I've read on this forum that if you generally ask for a CLI above $25k (my requested new CL wo. I think it started around the first of September. The problem is I’ve made basically no money the past 2-3 years but this year my income is significantly higher. Data points on Discover are all over the place. Since Equifax is processing these request and Equifax owns "The Work Number" it is more than likely Discover is pulling your Work Number file and whatever you put down on the app is not. Goodbye Discover.