New Member
Posts: 1
Registered: ‎03-05-2008

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. 

Established Member
Posts: 42
Registered: ‎02-25-2009

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
Posts: 6,242
Registered: ‎08-16-2012

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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Posts: 855
Registered: ‎07-17-2012

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. 

EX - 657 (MyFico 10/02/14) TU - 657 (Walmart 11/08/14 ) EQ 04 - 701 (DCU -11/28/14) EQ 08 - 684 (MyFico -12/04/14)

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