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.
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