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Lowe's card- closed but would like a new one

New Contributor

Lowe's card- closed but would like a new one

My husband had a lowe's card approximately 3 years ago. It was closed by the company for late payments. Since then he has been working on his credit and would like to apply for a new Lowe's card. Would they automatically deny him because of this? He was approved before with a score around 580 and it is now 605.

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Epic Contributor

Re: Lowe's card- closed but would like a new one


samy2576 wrote:

My husband had a lowe's card approximately 3 years ago. It was closed by the company for late payments. Since then he has been working on his credit and would like to apply for a new Lowe's card. Would they automatically deny him because of this? He was approved before with a score around 580 and it is now 605.


Is it all paid off now and you only had lates back 3 years ago? to be closed it must have been 90+ days late no?

What else is on his reports right now that still has him only at a 605 3 years later?

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Moderator Emeritus

Re: Lowe's card- closed but would like a new one

On a good note, Lowes is backed by GE, and they are one of the more forgiving creditors.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
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