Lowe's - What bureau do they pull?

[amh783]

Hi all,

Searched through some threads but couldn't find any solid info.

Wondering if anyone has any experience with a Lowe's card and what bureau they pull? Also, if you were approved, what was your score and what is you CL? 

Thanks!

[Anonymous]

google whogavemecredit or google "credit pulls" to get a better idea

[Datx]

Its a card issued by GEMB, and GEMB is known to be a TU puller.

[tcbofade]

Lowes pulled TU for me 09/27/11.

[amh783]

thanks! the whogavemecredit site is extremely helpful. looks like they do tend to pull TU. Anyone out there with score/CL?

[tcbofade]

Wallymart says my TU is 632.

Local bank says my TU is 674.

Lowes says "No card for you."

[amh783]

Wow. I didn't realize they were so strigent. Maybe they want 700+ scores. Ugh.

I've read that Lowe's is a much better card to have than HD.

[tcbofade]

Well, first I would tell you that it isn't reasonable to use my scores as a gauge...we've got a LOT of inquiries, and high utilization and both of those facts affect GEMB's decision.