Reply
Senior Contributor
Posts: 4,271
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: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 02/2015 TU 709 - EQ 676 - EX 729
Goal Score: 850

Bury me in the garden...last app 12.19.14

Established Contributor
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
Posts: 4,271
Registered: ‎05-01-2008
0

Re: Luv from Lowe's

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

 

 

btw....love the pumpkin!!!  Smiley Happy



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 02/2015 TU 709 - EQ 676 - EX 729
Goal Score: 850

Bury me in the garden...last app 12.19.14

Established Contributor
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!!!  Smiley Happy


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
Posts: 4,271
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: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 02/2015 TU 709 - EQ 676 - EX 729
Goal Score: 850

Bury me in the garden...last app 12.19.14

Moderator Emerita
Posts: 28,098
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
Posts: 4,271
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"!!  Smiley Happy

 

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: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 02/2015 TU 709 - EQ 676 - EX 729
Goal Score: 850

Bury me in the garden...last app 12.19.14

Moderator Emerita
Posts: 28,098
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." Smiley Sad

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
Highlighted
Senior Contributor
Posts: 4,271
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!  Smiley Very 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!  Smiley Sad   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!  Smiley Very Happy



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 02/2015 TU 709 - EQ 676 - EX 729
Goal Score: 850

Bury me in the garden...last app 12.19.14

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.