There is a thing called 'credit report grooming', where crooked people create a good credit report, get a few cards, run them to the max and then never pay. The

There is a thing called 'credit report grooming', where crooked people create a good credit report, get a few cards, run them to the max and then never pay. These are often skimmed identities that they are grooming, so the card companies have become wary, so they have evolved documentary processes to screen them, like getting a few past residencies and employers to be sure they are not suckered.