. The tax transcript contains information from a variety of. Thieves attempt to gain access to transcript data. ( frankieleon) Evan writes that he recently got married, and the newlyweds make more money than they did at this. Quick steps to complete and e-sign 4506 c form pdf online: Use Get Form or simply click on the template preview to open it in the editor. 1. . Usually they ask Social Security Administration Form SSA-89 to verify your basic information. Hope others in the know, will answer. Another Discover 4506-T @Nomad3 wrote: Not to threadjack, but. A copy is attached for your convenience. I have always liked the LUV button lol. To fill out the form, you will need to provide basic information about. 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. I have two accounts open with Discover for 5 years, one account $9,500 and second account opened earlier this year with a $20,000 limited. The Form 4506-C is a document used by the Internal Revenue Service (IRS) to request a copy of a taxpayer’s tax transcript. OMB Number 1545-ó. Re: Discover $7k CLI --> Then 4506-C. Discover card is Asking. 4506-C (Rev. If Discover has an issue with your address they will not send you a card until you provide proof of address. In effort to protect taxpayer information, a policy change was implemented for the Form 4506 series which no longer permits the mailing of tax returns to third parties. The IRS warns that it can take up to 75 calendar days to process your request. 4506-C (September 2020) Department of the Treasury - Internal Revenue Service. I don’t understand why they would want that on a secured card of all things. I was mortified. 11-2021 Page Section references are to the Internal Revenue Code unless otherwise noted. Total CL - $567,100. OMB Number 1545-1872. Form 4506 is useful if you need a copy of your tax return from more than three years ago. Ask the underwriter for the status of your credit limit increase, not mentioning the 4506-C request. Use the Cross or Check marks in the top toolbar to select your answers in the list boxes. The 4506-C hold doesn't reverse your approval for the card; it just prevents you from actually using the card until the hold is lifted. Fast, electronic processing of Form 4506-C. Billing questions 1. Information about Form 4506, Request for Copy of Tax Return, including recent updates, related forms and instructions on how to file. Do not sign this form unless all applicable lines have been completed. IVES Request for Transcript of Tax Return. . Express and Discover do it and how you may trigger them to do this. For IVES we are requesting use of an electronic signature. Ask Poli AskPoli. The lender has the discretion to determine at what point in the process it is obtained, understanding that the form is only valid for 120 days from the date of the borrower’s completion/signature. The unspoken rule is that if they (Discover) can do it once, they sure can do it again (ask for consent to access your tax transcripts). I am self-employed and am waiting on a K1 from an investment and therefore have my personal taxes ready to go but can't click submit yet. My initial instinct was this could be related to how Discover chooses to navigate Ability to Pay rules - i. 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. Immediately called to close the card. First post, hope this finds the correct place and people. For questions or if any information on your 4506-T is incorrect, please contact Discover Customer Protection Services directly at 1-800-203-4969, or call the phone number on the back of your card. We have jumped through many hoops attempting to obtain the transcript from the IRS. Ask Poli AskPoli. 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. 1,527 sq ft. I recently applied and was initially approved for a discover it card. . To that end, credit card issuers may also ask for proof of income, such as pay stubs, bank. Why is discover asking for 4506-c? It allows the financial institution or credit issuer to look into your IRS tax returns. then after 3-4 days, got hit with the IRS 4506-C form… With two online options, IVES participants can choose an avenue that works best for their company model. On any device & OS. Wow!Major Changes to the Next 4506-C Form. Discover requesting 4506-T. 5k. Never late, never over the limit, moderate usage etc. Start completing the fillable fields and carefully type in required information. 4506-C (6-2019) Form . So, listing your annual income is a requirement on every credit card application. Even though I have bought and sold over 10 cars in the. If they close the account, that's fine. 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. 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. Discover has immediately gone from a company that I advocated for, valued and enjoyed being a customer of to a company that I despise and will never do business. Re: Barclays 4506T Request. Seems like its always Discover that does that for secured cards mostly. After that, they denied my requests more than 15 times. This form will be a request for a tax return transcript. My credit score is 730+ and I figured I would get approved instantly. 4506-C (October 2022) Department of the Treasury - Internal Revenue Service. . ó. Discover It card. 15. Form 4506 is used by taxpayers to request copies of their tax returns for a fee. Discover it cashback: $10900. IVES Request for Transcript of Tax Return. 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. Major changes to the form include: Reminder: Participants must be authorized to submit electronic signatures. 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. The verification process seems very intrusive though. . 11-2021 Page Section references are to the Internal Revenue Code unless otherwise noted. Discover (secured) requested 4506-T form. 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. Form 4506, Request for Copy of Tax Return, takes longer and costs $50 per return. After reading lots of good things about Discover here, I applied and was approved for a Discover Secured Card. And, while the majority of individuals (outside of this sphere) may not examine or pause and read those T&C's it hasn't stopped Discover from acquiring new accounts and the world still spins. Have had them for 10+ years. It’s common for loan companies to ask for your tax transcripts. Taxpayers can have a copy of most forms, including forms 1040. , ~Haven't falsified income but if I submit to this request it needs to be for a new account, didn't feel secured was worth it. Hi All! I called the SBA yesterday and spoke to a CSR. To complete the form you must provide your e. 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. Goodbye Discover. Well I just got the dreaded request from Discover to let Equifax pull my taxes to see if my income matches up. Cash Back and SUBs earned as of 5/1/22- $14277. Instead, I mailed them an actual transcript. Amex told me they needed the form in order to verify my income. Equifax automates the 4506-T process, its very easy to look at income on 4506-T and income reported to Disco and act accordingly. 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. 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. Received 4506-C email request. Little extra effort to keep it going!American Express and Discover are the two main credit issuers who routinely request Form 4506-T to verify your income. . S. He apped for a Chase Card and Discover and was approved. For more information about Form 4506-C. of the corporation may submit a Form 4506 but must provide documentation to support the requester's right to receive the information. Two CLI, currently sitting around $7k. It’s similar to the financial review process with American Express, to answer your question- if your income doesn’t match what you stated or have entered for limit increases then it’s very likely you will get shut down and probably will never be able to get a discover card again. Discover 4506-t review . They won’t. Why is discover asking for a 4506-C? It allows the financial institution or credit issuer to look into your IRS tax returns. 14. , borrower’s name and address against W-2s) to Form 4506-C to prevent common. I was just recently approved for my $200 secured card from Discover on the 19th and the deposit was taken out on the 26th. TU:837 09/19/23 Bank of America--EX: 841 09/20/23 Experian--EQ:832 09/21/23 myFICO--Gardening since N/A. The IRS provides tax records to a third party only with the consent of the taxpayer. Incorrect form version. Use Fill to complete blank online IRS pdf forms for free. There is no fee for transcripts. As an addendum to my post above saying if one of my FIs asked for a 4506-C I'd close the account; if the same FI was to ask for the HR link to. Don't ask me how that happened. Yes, credit cards do check your income when you apply. FTC's website on credit. For more information about Form 4506-C. 4506-C (October 2022) Department of the Treasury - Internal Revenue Service. My current credit line is $50k and no further review has ever been requested. Re: DISCOVER Form 4506-T/4506-C. The information provided will be used to search the taxpayers account and provide the requested information and to. When tax return transcripts must be requested from the IRS Fannie Mae’s requirements for obtaining a signed Form 4506-C from the borrower at or before closing, and submitting the signed Form 4506-C to the IRS to obtain tax return transcripts in post-closing QC, have some exceptions. This would be for a 7-month old C. 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). 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. 11-2021 Page Section references are to the Internal Revenue Code unless otherwise noted. Send us paperwork. Download . Add the date. Sadly, Discover still closed their card and never gave OP the option to show any kind of proof. 10k limit. . . Discover Enhanced Verification 4506c Question. 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. 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. My fiance unfortunately lost / never kept his 2018 tax returns. The form may also be used to provide detailed information on your tax return to the third party if you need it. 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. Add the 4506 c form for redacting. 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. Why does discover need a 4506-T?. Re: Random Discover 4506-C Request 5 years one month after IIB Amex, I applied for an Amex Gold. 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. I recently charged it nearly to its max over the last 2 months due to my. Today I went to make a purchase and my card was declined. Also, lenders or vendors using Form 4506-C can expect to see a 30-40% rejection rate, and to add to the headache, this often occurs. Question about lenders obtaining tax transcripts. Most don't seem to mind, I would close the card. 4506-C (September 2020) Department of the Treasury - Internal Revenue Service. I called Discover (who were unnecessarily rude) and they told me the form hasn’t even been accepted by the IRS yet, and that it would be 2-3 days after it was accepted before. Fine, whatever. There’s no possibility of fraud or altered. This seems very intrusive, and I'm not inclined to send them the completed. 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. Re: 4506-C request. I don't recommend the card anymore just because of this common request. ) Return to top. Television. The problem is I’ve made basically no money the past 2-3 years but this year my income is significantly higher. Hold placed on my account until I give consent. A 4506-T form does not verify your address. ) Return to top. 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. As an aside, the 4506-C is now the form used to request release of federal tax returns. Be at least 18 years old. 000. I read about all I can about the 4506-T and HUCA 3 times asking for a work-around. She makes over 150k a year off tips from bartending in the city but her actual salary is tiny in comparison. After I read the instructions, since 2019 IRS is not sending transcripts to third parties (Barclays in this case). Thank you very much. I was advised not to worry about any income discepancies, as they wre just using the form for ID purposes. I turned 18 just one month ago and thought it would be a good idea to start building my credit score in preparation for an upcoming solo trip. I experienced this just yesterday. IVES Request for Transcript of Tax Return. I suppose it is their sandbox and they can ask for whatever they would like and one has two options. @pursuetriumphcelebrate wrote: Morning, 13th statement closed a couple days ago. Immediately called to close the card. 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. Yesterday i get an email from equifax verification services stating that DFS is requesting a FORM 4506-T to verify the income i out. The taxpayer must sign and date the 4506-C. or party other than the taxpayer, I certify that I have the authority to execute Form 4506-C on behalf of the taxpayer. Discover asking me for 4506-C form Greetings everyone! I'm 18 and I have a credit card with Discover. To fill out the form, you will need to provide basic information about yourself and the tax return you are requesting. I'm a business owner - so I use my cards constantly for points and cash back but usually rarely cary a ballance. Well, Discover requested 4506-C from IRS. So I'm curious has Discovery ever request anybody elese's tax documents. 4506-C (October 2022) Department of the Treasury - Internal Revenue Service. . 5 bathrooms. A few days later, and I get the 4506-T email. The Department again referenced Form 4506-C in its 30-Day Notice on December. These are often used to cross-reference with your tax return to verify your income information. 4506-C (Rev. Discover's Language. Simplify Income Analysis: All tax transcripts include a summary coversheet that highlights and calculates key income verification line. 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. . wrote: Funny story. I would call them as say to them what you are telling us. ó. Except as permitted in this paragraph, a creditor may not request any information concerning the spouse or former spouse of an applicant. Types of income to include. "Why is my credit card asking for a 4506-C? It allows the financial institution or credit issuer to look into your IRS tax returns. IMHO, call the AMEX backdoor number, can be found on myFICO forums/ DoC. Form 4506-C is a request for a tax transcript, which is a document that provides a record of an individual's tax return filed with the IRS. If you have further questions after reviewing this information. In this video I going to cover what are your options and share with your what I did for. 04. Too many people are now being asked for tax return request (4506-C). No way to know what caused it. 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. I believe Discover is one that uses personal income not household. Tax return (2020) not indicative of current income (2021) Hey everyone! I recently applied for Amex platinum card and they have put my application under review pending my 4506T form so they can see my income. 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. Hi , and sorry for this:smileysad: When it happened to me a while back, they had accepted bank statements as the IRS was shut down. Sounds like your AU did something that Discover did not like. 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. 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. 1. 2 baths. Request may be rejected if the form is incomplete or illegible. Discover assured me there’s nothing to worry about even if the income I provided on my app wasn’t accurate. Request may be rejected if the form is incomplete or illegible. In this video I going to cover what are your options and share with your what I did for. Form 4506: A tax form distributed by the Internal Revenue Service (IRS) and used to a request a copy of a previously filed tax return. 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. JigglyJello1 • 7 mo. 4506-C (October 2022) Department of the Treasury - Internal Revenue Service. For more information about Form 4506-C. To fill out the form, you will need to provide basic information about. . . 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. 5(c) Information about a spouse or former spouse — (1) General rule. If lenders wish to request the actual tax return, they will need to use IRS form 4506. " Discover is demanding IRS Consent Form 4506-C. Morning, 13th statement closed a couple days ago. 03. Hover over cards to see limits and usage. 5k to $28. Only one (1) product can be on Line 6. I’m NOT giving Discover access to my personal finance/tax documents. I'll try to sum up quickly my experience with the 4506-C request I received from Discover. I had to submit one for my recent mortgage because I have a side business listed as a sole proprietor with business income & debt. There are currently five requirements of the E-Sign law which we propose to implement: The signature must be under the sole control of the individual. We appreciate your cooperation with helping keep your Discover account secure. That’s good news for lenders, but the new process. ó. Re: Amex requesting Form 4506-T, Request for Transcript of Tax Return. Form 4506-C: IVES Request for Transcript of Tax (IRS) On average this form takes 8 minutes to complete. The correct tax form filed for your business must be entered on line 6. Form 4506-C questions. Your Personal Banker will give you a personalized quote and answer any questions you may have. Amex asking for 4506-C When applying for amex platinum. 10-20-2021 09:56 PM. Attention! The character The Credit Crusader" is a work of fiction. They just requested 4506-C from the IRS for income verification. Form 4506-C Frequently Asked Questions. A Form 4506-T is a request for a transcript of your tax return. The Form 4506-C is a document used by the Internal Revenue Service (IRS) to request a copy of a taxpayer’s tax transcript. I applied last week for a DIscover miles card and was approved. The thing is that the IRS is very sensitive. All forms are printable and downloadable. And yes, if you don’t complete the step, you’ll be declined. • View community ranking In the Top 1% of largest communities on Reddit Discover is demanding IRS Consent Form 4506-C Well I just got the dreaded request from Discover. I have always liked the LUV button lol My income (joint tax. To learn more about individual documents, and to download copies of selected forms, choose from the links below. Within the next 5 days, please click on the provided link below so that you can electronically sign the required IRS Consent form 4506-T. What do you mean "just let it ride"? If you don't provide the info they're requesting, t. Nearby recently sold homes. NFCU More Rewards 28K CL NFCU Cash Rewards 16K CL Citi Custom Cash 7. 4506-C (9-2020) Form . I don't see why this would have to be reviewed by a human. 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. Be a US citizen or permanent resident. in Spain. Reputation: Discover has a great reputation as one of the largest lending institutions in the country. As far as income, different states treat "household" income differently, having said that, as long as it is income available to yo. IVES Request for Transcript of Tax Return. I call Discover again and asked what I should do. Most don't seem to mind, I would close the card. . IRS issues updated IRS Form 4506-C. My choice is to upload the bank statements notary and fill out the IRS form 4506-C or the account gets closed and it looks bad on my credit. The document must be signed and dated in ink or digital e-certified electronic signature (digitized version of your handwritten signature). 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). I thought we were allowed to include household income?Re: Amex Financial review/4506-T Question. of the corporation may submit a Form 4506 but must provide documentation to support the requester's right to receive the information. Most lenders use the form to verify the self-reported income portion of your application to your tax return. It helps us quickly confirm your income. What is IRS Form 4506-T. Do not sign this form unless all applicable lines have been completed. But, since then, I’ve had my account on hold for almost 3 weeks. So hoping to get some suggestions on a game plan for increases + new accounts. Yes we have a confirmation of payment for 2020. If they bring up the request, then you have your answer. To fill out the form, you will need to provide basic information about yourself and the tax return you are requesting. Amex is no joke, and they are dead serious when they ask for. Your lender may ask you to provide the tax return information, and you have to send the form to the IRS. For more information about Form 4506-C. ó. When Amex requested my tax transcript several years ago, it was when my credit line was requested to exceed $35,000. then after 3-4 days, got hit with the IRS 4506-C form…With two online options, IVES participants can choose an avenue that works best for their company model. American Express and Discover are the two main credit issuers who routinely request Form 4506-T to verify your income. Received 4506-C email request. Now they again ask for 4506-T. Message 7 of 10. its secured!!! 🤣 Why approve then have applicant jump through hoops? This would be way more appropriate on a large unsecured CL than a $200 limit. IRS Consent Form 4506-C to Sign Discover. 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. 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 new 4506-C will permit the cleared and vetted IVES clients to request tax return information on the behalf of the authorizing taxpayer. Request may be rejected if the form is incomplete or illegible. It is mandatory. 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. When I open it, it's really a form 4506-T, which is - 6239454 - 2. EFFECTIVE: March 1, 2023. Line 3: Enter your current address. No. The transcript format better protects taxpayer data by partially masking personally identifiable information. I called them and they said they wanted a 4506-C to verify my income. But, then I realized, I wouldn't receive my most current statement until the end of June. I'd be happy if I can recoup half (or 10k). Most lenders use the form to verify the self-reported income portion of your application to your tax return. Discover requested 2 years of tax returns using Equifax as a partner via 4506-c form for a $500 limit SECURED credit card. Effective March 1, 2021, only the new IRS Form 4506-C will be accepted through the Income Verification Express Service (IVES) to provide tax transcripts to third parties. For more information about Form 4506-C. Because of data thefts outside the tax system, cybercriminals often attempt to impersonate taxpayers and tax professionals. If they bring up the request, then you have your answer. 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. Then they requested copies of social security card, a utility bill and driver's license. Complete the form. Note: If you are unsure of which type of transcript you. I am self-employed. , you should be able to have the form notarized in whatever state you're currently traveling in. The 4506-C is the formal authorization that allows lenders to request tax transcripts from the IRS through a 3rd party firm such as a credit reporting firm (lenders are not allowed to request transcripts. I'm fine with supplying the bank statements, the problem is that I have never filed taxes because the. ”. , via recon + HUCA) for this card without submitting the 4506-C, or should I just give up on this. Thin credit files lead to difficult underwriting decisions and are correlated with higher. 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. 4506-C (Rev. Only list a spouse if their own transcripts will be requested and they will be signing the request. (If you're outside the country, I would recommend waiting until you're back in the U. 4506-C Again. The last time Discover granted me a CLI was in March 2020, which took me from $19k to $21. Discover 4506-t. I applied for the Citi Premier when they had the 60K TYP offer going. Fannie Mae customers! Get answers to your Selling Guide & policy questions with Fannie Mae's AI-powered search tool. 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. State or local information is not included with the Form W-2 information. I don't understand why Discover is asking for 4506-T's on secured credit cards. Discover definitely needs to be called out on this. The builders lender is asking for a 4506-c from me as part of my disclosures, I guess I've gotten to that point in time where I don't really feel comfortable releasing all of my tax info lol, does anyone know if that's standard practice across all banks or if that's just their personal choice (DHI mortgage). IVES Request for Transcript of Tax Return. Fannie Mae requires lenders to include the requirement to submit the IRS Form 4506-C to the IRS (or designee) in their written QC plan. The 4506-T form says: “The IRS can provide a transcript that includes data from these information returns. Barclays asked for 4506-T initially. 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. Use Form 4506 to request a copy of your tax return. Another Discover 4506-C Request - Submitted - Updating for DP collection. That's fine, I'm pretty sure I'm not doing anything illegal here, however they want information from my 2017 and 2018 tax returns, which I never filed. Re: Discover (secured) requested 4506-T form. 4506-C (October 2022) Department of the Treasury - Internal Revenue Service. Where as a 4506-T is a request for tax documents directly from the IRS. I'm so done with Discover I opened my second credit card with them and got hit with 4506C they are wanting me to send notarized bank statements in which I complied with right away, however the only problem is on the bottom part of notarized document they are wanting the notarizing officer to sign but since I live in California they wouldn't and that all the public. IVES Request for Transcript of Tax Return. Re: Discover account closed. You must check the box in the signature area to ac knowledge you have. This thread is archived. It must be filled by the taxpayer and sent to the IRS. Seriously I received a 4506-T request from Discover an old account. 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.