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Senior Contributor
BungalowMo
Posts: 4,236
Registered: ‎05-01-2008
0

Re: Luv from Lowe's

How long should I wait before asking for a CLI??  I've had it since July. Used it once...$250 router ...pif before statement cut.

 

If I hit the web LUV button, is that a guaranteed hard inq?  Is the phone call the better way to go??

 

 



Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Established Contributor
pattycake
Posts: 760
Registered: ‎04-30-2007
0

Re: Luv from Lowe's


BungalowMo wrote:

How long should I wait before asking for a CLI??  I've had it since July. Used it once...$250 router ...pif before statement cut.

 

If I hit the web LUV button, is that a guaranteed hard inq?  Is the phone call the better way to go??

 

 


I got it in April 2008 and asked for the first CLI in June because I needed to buy a stove. Instead, I paid $990 for a pool fence, so the CL came in handy.
pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Senior Contributor
BungalowMo
Posts: 4,236
Registered: ‎05-01-2008
0

Re: Luv from Lowe's

Gotcha...so you waited a year, pretty much.

 

 

btw....love the pumpkin!!!  :smileyhappy:



Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Established Contributor
pattycake
Posts: 760
Registered: ‎04-30-2007
0

Re: Luv from Lowe's


BungalowMo wrote:

Gotcha...so you waited a year, pretty much.

 

 

btw....love the pumpkin!!!  :smileyhappy:


Sorry, no, I waited only two months. I don't usually do that with CLs, but I really did need to make a big purchase so I was feeling bold. They compete pretty heavily with HD, so they tend to give them if you really want them, at least it seems that way. Then I waited until this year to ask for another.

I'm feeling festive, the reason for my jack-o-lantern!!!
pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Senior Contributor
BungalowMo
Posts: 4,236
Registered: ‎05-01-2008
0

Re: Luv from Lowe's

I had a friend make me this...it's a larger version of my sig on an old house website I go to every day...

Photobucket



Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
0

Re: Luv from Lowe's


BungalowMo wrote:

I had a friend make me this...it's a larger version of my sig on an old house website I go to every day...

Photobucket



I think this is awesome! And any time I see a classic Craftsman bungalow, I smile. They are still the definition of "home" to me.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
BungalowMo
Posts: 4,236
Registered: ‎05-01-2008
0

Re: Luv from Lowe's

Thanks HTSU!!!  When I was looking to buy, this was the first place I saw!  I pulled up with the agent & saw that porch & totally fell in LOVE!  Besides the bathroom, the inside looks like time stopped in 1916!  All of the original woodwork & light fixtures & everything was still intact!  I compared everything else I saw to this...made an offer & in less than a month she was mine!

 

I even found nearly all the PO's up the hill in the Civil War Era cemetery!  I lovingly refer to them as my "Peeps"!!  :smileyhappy:

 

If you care to peek inside...here's some shots.... Mo's Bungalow!

 

Been here 2.5 years now & can't imagine ever living any where else!



Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
0

Re: Luv from Lowe's

Beautiful home! And you have glass doorknobs!! I remember those from my grandmother's house before my uncle and mother carped at her about upgrading to something "modern." :smileysad:

For some reason, just this morning I was flipping through a renovation catalog that came in the mail, and I checked to see if they had push-button light switches, with the mother-of-pearl buttons. Sure enough, they did. I always thought those were incredibly cool. I drove my grandmother crazy when I was little, pushing the lights on and off.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
BungalowMo
Posts: 4,236
Registered: ‎05-01-2008
0

Re: Luv from Lowe's

Thanks for the compliments!!  But I'm sure you can understand what I felt when I walked in here....it did feel like my Grandma's house!  I have loved old houses forever and this place just spoke to me!  :smileyvery-happy:

 

I know that rejuvenation site well!  They have some amazing stuff!  Maybe one day I'll get those light switches.  I wouldn't doubt it if this place had them at one time, but if it did, they're long gone!  :smileysad:   Don't even get me started on the gorgeous bathroom fixtures!  I'll be restoring mine to what it likely was.  Plan is forsmall hex floor tile, white with a black trim, and 6x2 subway tile on the walls. 

 

WHAT'S THAT NOISE?????

 

Oh, that was the sound of my FICO hitting the basement floor!  :smileyvery-happy:



Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14


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