Lowes

[Anonymous]

Anyone know what lowes like to see for approval?

EQ- 605 

4 collections (3 medical) (1 PFD yesterday) currently disputing the 3 medical. all goes right, next month all baddies are gone.

4 public record (judgements)

30% UTL  (i know its high, im working on that. baddies come first)

Age- 2yr 3mo

15 accounts- good standing 1 being Auto loan.

100% payment history

24 Inqs

Annual Income 40k

TU- 649

1 collection (PIF yesterday) 

5 public record (judgements)

31% UTL

Age- 2yrs 3mo

15 accounts- good standing 1 being Auto loan

100% payment history

36 Inqs

Not looking to apply til my two PIF baddies are gone and updated. ( 1 is a derogatory, the other is listed under "closed accounts" but has a balance).

have numerous Inqs dropping off next month too.

just wondering if anyone knows the particulars with Lowes, as i see people with Clean records and higher scores than me, being deined.

*these are my FICO scores, not FAKO

[Anonymous]

I believe TU is pulled, and they like over 670.

google Credit Pulls Database

[TXinandout]

If that TU score is a fico score, then 90% chance of approval in my own opinion.

Go for it!

[Anonymous]

Even with the utl @ 30% and the high inquires.

[Anonymous]

They pulled my TU. I had mid 7's scores when I was approved. Yours seems low. I'd build it up a little more before I applied.

[Anonymous]

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@Anonymous wrote:
@Anonymous with the utl @ 30% and the high inquires.

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Wait until your PFD is showing on your TU that should raise your score quite a bit, then app for it! In my experience Sync is not scared off by high inqs I have about 34 and just got approved for the CheapOair Visa.

[Anonymous]

Search the credit pulls database for the Lowe's card and you'll see all of the scores that were approved and denied.  Armed with that data, you'll be able to make the best decision for yourself regarding apping.