How long ago did this happen? Sometimes, when the consumer cancels, they will let you change your mind within a certain period of time, but it's a lot tougher when there were problems, and they canceled you.
All you can do is try. If you're a familiar face at your local Lowe's, you might try going to their service desk, explaining the situation, and seeing if they can work some magic for you with GEMB.
Are your scores a lot better? Have you had any lates on other accounts since then? And so on.
* 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