09-06-2009 05:33 AM
I would like to get a Lowes CC to do some improvement to my home. I have a bk 2years ago, but it does not show up on my TU report and I am pretty sure that is the report they use. On my TU report I have the following.
1 inq from almost 2 years ago,
2 First premier cc one with a cl of 475 other with 550 neither has ever been late, one is 2 years old the other is 1.0 bal on both
a auto loan, 1year old never late
Mortgage has not been late in 19 months before bk was late.
Just opened a NFCU rewards card 1 month ago with 2500 cl with bal of $27.00 I don't think that it has been reported to TU as of yet.
What do you think my chance of getting a Lowes card are? My TU score is 699 with out the NFCU card on it. I don't know if it will go up or down when it is added. Any input would be great.
09-06-2009 05:56 AM
09-06-2009 09:21 AM
09-06-2009 04:26 PM
Lets say I go into the store and apply and get denied. Then I call to see if they would recon. How would you go about doing so and what would you say?
Thanks again for the help
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.