Lowe's, Lowe's, Lowe's. First order of business, I want to most sinserely thank, and from the bottom of my heart thank, everyone who has helped me sort through my credit adventures, from near home repo to recovery! I couldn't have done it without you! Of especially good advice, most recently, was all of the information provided on these boards regarding balance transfers! Already I have saved close to $2000 in interest, and I'm just getting started! In the very near future I fully expect not to be paying interest at all, if I can at all help it! Wtih your help I'm sure to succeed! Of the more than 25 accounts I had/have, all but 13 are paid off or transferred, and several are well on their way to being paid off. My credit reports have never looked so good, nor have my scores. EQ: as of today: 731. Transunion: 754. Experian: 745. All Fico 08's. Thanks to all of you, my utilization is down to around 22%, and falling. There aren't but 4 inquiries on my reports, two from late 2015, apps for balance transfer/credit limit increase, and two that will fall off within the next 6 months. Around $50,000 is available to me in the way of Bank Card credit, and another 10,000 or so available store credit. . A small amount compared to many, I know.. Synchrony was the biggest pain in the backside, after the kitchen fire. New appliances cost around 4,000, deferred interest for 6 months, 29.9 after that. Synchrony did up my limit to $9000 at the time, and I didn't utilize half of that, but in order to avoid that 29.9, it was transfered to BOA 0% for 18 months. It was a smart move that I, on my own, was somewhat afraid to do, but did, and am grateful, again, to all of you. So, now on to Lowe's that is Synchrony, too. I near dread the thought, and so again turn to you. It's near hurricane season and I am in desperate need of a front door that doesn't leak, as well as a garage door that's about to fall down, and a slider that needs replacing, so am considering a Lowe's card to cover all of that, but don't want to apply if the amount I'll receive will be something like $500 or some such thing. The last inquiry cost me 4 points on EQ, and I don't want to go there. The way I see it, I need close to $8000 but how do I go about getting that, and what are my chances? Accprding to recent reports my risk rate is between 2-5 percent, and the amount of debt I carry, compared to income, is good. So what do you think, my most well beloved Fico experts? Should I go for it? Or not. There are other options that I am considering, that in the past have been suggested, such as paying off one of the 0% interest cards, with a year left on the offer, asking for a credit limit increase and using that; but for the fact it would take too long I would. I'm surprised the city hasn't cited me yet for the garage door that's so obviously just propped up there. It is a wee bit crooked. lol I'd wait for a hurricane to come blow it down so that insurance would pay, but after Andrew, and Katrina, and Wilma, and Charlie, and Ivan, I don't wish a hurricane on anyone, let alone myself. Thanks, guys and gals, and have a great day!
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