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New Contributor
Posts: 61
Registered: ‎09-03-2012
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Lowe's CC Post BK7 Success.

This is just information for anyone thinking about applying for a Lowe's Card after Chapter 7. Here's my situation: Filed for BK7 5/2011, Discharged 9/2011. Numerous new accounts applied for post BK. 30 INQUIRIES on Transunion. Yes 30!!! Most of these thanks to Navy Federal Credit Union. Income 90,000 yearly individual. Transunion score 678 (Walmart TU8 FICO), utilization 10 percent. Scoured these forums, along with whogavemecredit, and credit pulls database for approval references. Didnt see any anecdotal evidence of anyone able to get this card less than 2 years post BK7. But....my washer and dryer both decided to die on me at the same time. I got tired of going to the laundromat every few days and was mad as hell that I burned half my day there on my day off from work so I went to Lowe's and applied for a Lowe's card.........I know, bad idea right? Wrong!!!! Approved for $1200 in store, I told the sales associate jokingly, oh that's it huh? She tells me, I can call and see if they can approve you for more so I tell her ok  what the hell, I'm already approved, see if they will double it. APPROVED for $2400!!!!!!! So, I go home and tell my wife that we can buy a new washer and dryer and take advantage of the 6 month no interest financing and she tells me "Oh, nevermind, I had my friends husband who's a handyman fix both for $200. WTH???!!! So, for all of you thinking about applying for this card less than 2 years out of BK7 discharge....I CAN TELL YOU FOR A FACT IT IS POSSIBLE!!!! Thank you GE and thank you LOWE'S....oh, and thank you handyman also. LOL!!!

Valued Member
Posts: 313
Registered: ‎04-25-2013
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Re: Lowe's CC Post BK7 Success.

CONGRATS on your accomplishment. 

In my Snoopy holder: NFCU Flagship Sig Visa-- $11K | Chase Freedom -- $2500 | AMEX BCE -- $2000 | Amazon Visa -- $2000 | Discover It $1500| Old Navy Visa -- $1000 | Target Red Card -- $300

TU (Disc Pull 4/29/13) -- 752 | AmexEQ (6/13/13) -- 728 | AmexEXP-- 737 | AmexTU-- 737 (5/28/13)
Goals: 740 EQ/EXP/TU
Gardening until 12/3/13 -- or longer
Moderator
Posts: 27,204
Registered: ‎09-13-2012
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Re: Lowe's CC Post BK7 Success.

Frequent Contributor
Posts: 1,250
Registered: ‎02-03-2013
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Re: Lowe's CC Post BK7 Success.

Congrat and best of luck on your rebuild journey!!!


Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
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Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
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Re: Lowe's CC Post BK7 Success.

LOL! Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Established Contributor
Posts: 888
Registered: ‎09-10-2010
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Re: Lowe's CC Post BK7 Success.

The moral of the story...Don't ever let your wife's husband, who is a handyman, show you up!  J/K, Congrats on a nice CL and immediate CLI post BK.  NICE!!!


TU713, EQ 731 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 3-26-15































Regular Contributor
Posts: 151
Registered: ‎03-09-2013
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Re: Lowe's CC Post BK7 Success.

Congrats Pare!

 

Wow, NFCU hit your TU that many times?  They only hit my TU when I opened my account.  Everything else was EQ.

New Contributor
Posts: 61
Registered: ‎09-03-2012
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Re: Lowe's CC Post BK7 Success.


Siopao wrote:

Congrats Pare!

 

Wow, NFCU hit your TU that many times?  They only hit my TU when I opened my account.  Everything else was EQ.


Yes Pare,

 

On almost everything from my Cash Rewards, to nRewards, to Navcheck, to Auto Loan and CLI and then recon's when I get denied they hit Transunion. I keep hearing everyone saying they use equifax exclusively for credit products but when I look at my report, they are pulling mostly Transunion. On the bright side, my cash rewards they converted to Signature Cash Rewards when they upped my limit to 22,500 and I converted the nRewards to the Flagship Visa and they upped me to 22,500 also. I aso got Navcheck from them 2 months ago with 5,000 to start and asked for 15,000 last week and approved. So all in all, I have to say it was well worth the hits. 

Senior Contributor
Posts: 4,039
Registered: ‎10-02-2012
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Re: Lowe's CC Post BK7 Success.

Hahha this post has character. 

Chapter 7 Bankruptcy discharged on 7/11/16. Let the rebuilding begin!

EX FICO ---, EQ FICO ---, TU FICO ---. Banking with Citi Bank and Rabobank. Gardening Since 07/18/16
Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: Lowe's CC Post BK7 Success.

CONGRATS!!!!

 

Get that washer/dryer and kick that handyman out!!!!




EQ FICO 548 3/3/16

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