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Lowes Card 2 years after BK7

New Member

Lowes Card 2 years after BK7

I am wondering if anyone has had luck with Lowes 2+ years after BK.. I filed in 4/10 and discharge in 9/10. 
I did not include GEMB in the BK and our TU score is 670(FICO) and low is EQ 630 (also fico)
I am just wondering if anyone has had any luck with this timeframe after a BK. We are closing on a home and will be needing a fence. I was hoping to get the card so as not to have to deplete savings( and add a decent tradeline to the ol CR)
thanks for your help. 

3 REPLIES
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Established Member

Re: Lowes Card 2 years after BK7

I was just approved for a Lowes card. My bk discharged in 08/10. I was denied at the beginning of September, but after my utilization went way down, I gave it another shot. This was the last card I wanted because my fiance' loves Lowes. I only got approved for $300, but I have read some amazing growth stories. Hopefully, I can get it increased over the next year to a nice limit. My scores are listed below so I am sure you would get approved, but I would wait until after closing. 



Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
Senior Contributor

Re: Lowes Card 2 years after BK7

Yep! Lowe's has grown the best of my gecrb cards... My highest limit at $12k. Ive never had a bk, but I assume credit history going forward would prove similar results for y'all :-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor

Re: Lowes Card 2 years after BK7

This is one of the next cards on my list. I had two Home Depot cards but they were included in my BK so I don't think they like me. Lowes seems like a good card that will grow.  I'm 2 1/2 years out of BK. 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748