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BabyBlue
Posts: 65
Registered: ‎09-04-2008

Just app'ed for Home Depot online

[ Edited ]

I thought some of you may find this info useful:

 

Credit report pulled - Experian (last time I checked my score was 764 back in January; it may have been slightly higher at the time of the application. No inquiries w/n the last two years on EX)

 

Instant approval with CL of 1250

Called to reckon (planning to make a single purchase of 1100) - CL increased to 2000

 

State of residence: FL

 

I was afraid they would not approve me - DH had a bankruptcy Ch 11 in 2000 and his Home Depot account was included in it. So, the approval is good news.

 

I wish the CL was a little higher, but I am not complaining in the current credit climate. My other credit lines are: 15k, 15k, 3k, 1.4k and HD 2k

Message Edited by BabyBlue on 05-05-2009 09:35 AM
Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007

Re: Just app'ed for Home Depot online

Congrats...
Valued Contributor
thrasher865
Posts: 1,163
Registered: ‎05-21-2008

Re: Just app'ed for Home Depot online

I need either a HD or Lowe's card, as I'm closing on a house in a couple weeks.  I plan to build a deck, frame an exterior door from dining room out to deck, install new garage door, put in 1/2 bathroom in hallway, fence in the yard and maybe even do some landscaping.  So, the fact that you were only give 2k after a recon with those other TLs that you show is bad news for me.  I will probably want to have 2K+ on the card at any one time, so I'll have to make sure that it doesn't report like that.  Although, if I've already got my mortgage, I supposed the only thing I'd worry about is AA from my other cards :smileysad:

Starting Score: EQ: 665 - TU: 687
Current Score: EQ: 749 - TU: ---
Goal Score: EQ: 760 - TU: 760


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haulingthescoreup
Posts: 28,114
Registered: ‎04-01-2007

Re: Just app'ed for Home Depot online

Hey, thrasher, Citi/ Home Depot pulled EQ on me in Feb 2008 in our mutual home town. I use the branch in the south end of town.

I went with them instead of Lowe's because I prefer Citi to GEMB. They gave me $4K with a lot of low-rent lates and an EQ of somewhere around 725 at the time. I applied online. I used it some in the beginning, but I haven't used it for months and months, and I'm scared witless that they're going to CLD me for non-usage. HD, I promise that if you leave my line intact when you drop the new statement tomorrow, I'll go buy something!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Frequent Contributor
ocheosa
Posts: 372
Registered: ‎06-15-2007

Re: Just app'ed for Home Depot online

[ Edited ]

thrasher865 wrote:
I need either a HD or Lowe's card, as I'm closing on a house in a couple weeks.  I plan to build a deck, frame an exterior door from dining room out to deck, install new garage door, put in 1/2 bathroom in hallway, fence in the yard and maybe even do some landscaping.  So, the fact that you were only give 2k after a recon with those other TLs that you show is bad news for me.  I will probably want to have 2K+ on the card at any one time, so I'll have to make sure that it doesn't report like that.  Although, if I've already got my mortgage, I supposed the only thing I'd worry about is AA from my other cards :smileysad:

 

Hi thrasher,

 

You never know...HD (store card) was my sixth card. At the time my other accts were 15k, 10k, 6k and a few just under 2k. They gave me a whopping 10k! It was an online instant approval. I already had a citi mc at 6k that I opened 4 months earlier. I love HD!! Wait for your mortgage to hit your credit reports before you apply.

 

Edit to add: Lowe's was not so generous..Reminds me I got to go buy some bin liners before they close the account.

Message Edited by ocheosa on 05-05-2009 06:58 PM
01/04/10 TU 778 EQ 731
08/05/09 TU 762 EQ 722
02/12/09 TU 722 EQ 704 EX 690
EQ sensitive to inqs & student loan.
Established Contributor
cartercorp
Posts: 851
Registered: ‎07-01-2008

Re: Just app'ed for Home Depot online

Congrats on the approval blue..
Frequent Contributor
ocheosa
Posts: 372
Registered: ‎06-15-2007

Re: Just app'ed for Home Depot online

Hi BabyBlue,

 

..... CONGRATS and Whooo HOOOO! You are going to love the card! The promos are wonderful!

01/04/10 TU 778 EQ 731
08/05/09 TU 762 EQ 722
02/12/09 TU 722 EQ 704 EX 690
EQ sensitive to inqs & student loan.

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