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Established Contributor
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Registered: ‎01-20-2012
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CAlling for Lowes recon today - few questions

[ Edited ]

Even if I call the backdoor number, how do I verify I'm talking with "credity analyst" versus another CSR that the first CSR just transfers me to?

 

The "credit analyst" I spoke with yesterday said that due to privacy/security reasons she could not discuss the denial reasons and I'd have to wait for my letter.   Does this mean she was actually a CSR?  I thought analysts had access to that info and would/could discuss with us?

 

What do I say?  Hey I know you denied me but you're crazy and don't use Fico etc? haha okay probably not but....

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: CAlling for Lowes recon today - few questions

Call this # 1866 519 6441

This should get you to someone more helpful.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 756
Registered: ‎01-20-2012
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Re: CAlling for Lowes recon today - few questions

[ Edited ]

LS2982 wrote:
Call this # 1866 519 6441

This should get you to someone more helpful.


LS:  Thank you for all your help/advice over the past few days! :-)

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: CAlling for Lowes recon today - few questions

No problem I really hope you get the account!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 756
Registered: ‎01-20-2012
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Re: CAlling for Lowes recon today - few questions


LS2982 wrote:
No problem I really hope you get the account!!


Out of curiousity what's the diff between this # and the one from yesterday?

 

Calling on lunch break in a few minutes eeks!

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: CAlling for Lowes recon today - few questions

This # is GE Capital's main number you should be able to get an underwriter on the phone there.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 756
Registered: ‎01-20-2012
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Re: CAlling for Lowes recon today - few questions

Nope. Denied.

 

She told me I had to wait for my letter and if I feel teh information for denial is innacurate I need to contact  the bureaus and can reapply after 30days.

 

She said that the code showing is not one anyone in her department can override.

 

ARGH.

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: CAlling for Lowes recon today - few questions

Give it 6 months and reapp youll get it!! Man that really sucks.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 756
Registered: ‎01-20-2012
0

Re: CAlling for Lowes recon today - few questions

[ Edited ]

LS2982 wrote:
Give it 6 months and reapp youll get it!! Man that really sucks.


Thanks...yup I'm going wait for the CU to contact me tomorrow - hopefully that Visa comes thru.  Then I'll just lay low for 6mos and wait..and plot..and plan... BWAHAHAHA!

 

Smiley Wink

 

edit:  Should be interesting to see what the letter says...

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: CAlling for Lowes recon today - few questions

Theyll give you either their in house score or FICO version of whatever bureau they pulled (hopefully EX) Smiley Happy and about 3 or 4 reasons for denial. More than likely it willl be thin file for you.

I will say this once your in with GE theyll give you any card you want tou ahow thwm good history and payments.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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