Reply
Regular Contributor
ReBuildingAgn
Posts: 195
Registered: ‎08-01-2008
0

Walmart CLI

I get CLI's on my Wally discover every 4 months. My last request was denied due to high balances and a recent late payment. Looking at the letter, the credit pull they used was from Feb?!?! Back then I did have higher balances and a payment I stupidly let go late. The late payment has since been removed and I paid all balances down or off.

Is the reason they're using an old report because I haven't had a balance post? I paid the card off back in Feb and haven't used it since. I want an increase, but not a hard pull.
;Starting Score: Low 500s FICO Aug 2008
Current Score: EQ 668 EX 723 TU 723 (All FICO)
Goal Score: 720s Across the Board! Almost there!

Cap1 NHR ($1250), GE Rooms2Go ($4k), WalMart Discover ($3250), Barclay's Rewards MC ($2k), Amex BCE ($5K), Kohl's ($1K), Chase Freedom ($3K), Discover More ($1K)
Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012
0

Re: Walmart CLI

They'd never do a HP. And GEs soft pulls are usually very old and it says yes this is old but we don't suspect your score has changed much in the letter but in different words. But more often than not that score they usually changes every week
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+