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.
