Do i have a chance at Lowes?

Anonymous · ‎12-02-2015

from my research, Lowes usually pull TU and my TU is my lowest at 661. EQ at 697, EX at 717.

My house is closing next thurs on Dec 10, and i have a few big appliances i would like to purchase at Lowes.

my app spree will be QS/Venture, CSP, then Lowes or Discover IT to take advantage 0% apr.

current card: BOA/Cap1 secured/freedom/Sallie Mae

injustifiiable · ‎12-02-2015

@Anonymous wrote:
from my research, Lowes usually pull TU and my TU is my lowest at 661. EQ at 697, EX at 717.

My house is closing next thurs on Dec 10, and i have a few big appliances i would like to purchase at Lowes.

my app spree will be QS/Venture, CSP, then Lowes or Discover IT to take advantage 0% apr.

current card: BOA/Cap1 secured/freedom/Sallie Mae

I was in the 650's when I was approved so I'd say yeah..initial limit may be low but you'd be able to try to call to credit solutions for an increase. Is your TU file clean for the most part?

pizza1 · ‎12-02-2015

for best results, app in store (after you officially close on your house of course! Don't apply until after you close).

You might get approved for a SL of $300, but thats ok...once approved, turn right around and call into credit solutions, tell them you're "in store", and just closed on your house, and need appliance as your new home has none! Ask for $25k....seriously!! They will counter back with your real approval. Good luck, and hope to see you posting in the approvals after your closing!

Anonymous · ‎12-02-2015

@Anonymous wrote:
from my research, Lowes usually pull TU and my TU is my lowest at 661. EQ at 697, EX at 717.

My house is closing next thurs on Dec 10, and i have a few big appliances i would like to purchase at Lowes.

my app spree will be QS/Venture, CSP, then Lowes or Discover IT to take advantage 0% apr.

current card: BOA/Cap1 secured/freedom/Sallie Mae

Go for it. Lowes approved me at 650-660 EX 6 months ago. SL was $500 and now $15K. Good luck.

Anonymous · ‎12-02-2015

@injustifiiable wrote:
@Anonymous wrote:
from my research, Lowes usually pull TU and my TU is my lowest at 661. EQ at 697, EX at 717.

My house is closing next thurs on Dec 10, and i have a few big appliances i would like to purchase at Lowes.

my app spree will be QS/Venture, CSP, then Lowes or Discover IT to take advantage 0% apr.

current card: BOA/Cap1 secured/freedom/Sallie Mae
I was in the 650's when I was approved so I'd say yeah..initial limit may be low but you'd be able to try to call to credit solutions for an increase. Is your TU file clean for the most part?

1 Collection, 2 Acct ever late, 3.8 years since last late and currently at 8% ulti

my EX and EQ at 1 Acct ever late, and 0 collection.

Anonymous · ‎12-02-2015

@Anonymous wrote:
@injustifiiable wrote:
@Anonymous wrote:
from my research, Lowes usually pull TU and my TU is my lowest at 661. EQ at 697, EX at 717.

My house is closing next thurs on Dec 10, and i have a few big appliances i would like to purchase at Lowes.

my app spree will be QS/Venture, CSP, then Lowes or Discover IT to take advantage 0% apr.

current card: BOA/Cap1 secured/freedom/Sallie Mae
I was in the 650's when I was approved so I'd say yeah..initial limit may be low but you'd be able to try to call to credit solutions for an increase. Is your TU file clean for the most part?
1 Collection, 2 Acct ever late, 3.8 years since last late and currently at 8% ulti
my EX and EQ at 1 Acct ever late, and 0 collection.

Still looks good. Had 1 collection showing and several 30 day lates curtesy of Santander. Last late 2012. UTI was about 18-20% at the time.

Anonymous · ‎12-02-2015

@pizza1 wrote:
for best results, app in store (after you officially close on your house of course! Don't apply until after you close).

You might get approved for a SL of $300, but thats ok...once approved, turn right around and call into credit solutions, tell them you're "in store", and just closed on your house, and need appliance as your new home has none! Ask for $25k....seriously!! They will counter back with your real approval. Good luck, and hope to see you posting in the approvals after your closing!

thanks, i will literally go striaght to lowes after i get the keys next thurs.

Anonymous · ‎12-02-2015

DW applied in july and they pulled EX. She applied instore.

Anonymous · ‎12-02-2015

@Anonymous wrote:
DW applied in july and they pulled EX. She applied instore.

it would be nice if they pull EX for me, EX is at 717 ATM

Anonymous · ‎12-02-2015

Looks like you have a good chance of being approved. You should wait until after you close on your house. Best of luck!