I just got off the phone with executive Mikael Lee of Aria. He couldn't find any discrepancies with my credit card, which is 7 months old with no increases. He talks like a computer and minces no words. My income to debt ratio worried him. I am on disablility and that was determined through a 3 year old public record. I asked him directly about that and he verbally dodged the question. Any thoughts on income as reported in a bk or other kind of public record that is used to determine cl increases, even years later?