topic Re: Lowes Card in Credit Cards

Lowes Card

Anonymous — Wed, 15 Sep 2010 23:52:22 GMT

Hey does anyone know which CRA Lowes pulls from? ALso what would my liklihood of being approved with scores in the mid 600's?

Re: Lowes Card

Anonymous — Thu, 16 Sep 2010 01:15:11 GMT

I am not sure who they pull from, but I was apporved when my credit score was still in the upper 500's.

Re: Lowes Card

Anonymous — Thu, 16 Sep 2010 09:52:10 GMT

The Lowes card is managed by GEMB. I have several GEMB cards, including Lowes, and they've always pulled Transunion. I like GEMB so far, never been denied even with some derogatory stuff on my CR - old judgement & medical collections on my TU. I was just approved for a PayPal Plus Mastercard $2500 CL which is a GEMB card...

You should be OK if you have some positive accounts. I had the the derogs listed above, but I also had some positive paid accounts and NO late/missed payments...

Good luck.

Re: Lowes Card

Anonymous — Thu, 16 Sep 2010 14:38:22 GMT

Great Thanks! My TU score is over 700, everything is paid current with a couple of old paid collections from like four years ago. Thanks for your help! I just applied, I will keep my fingers crossed!

Re: Lowes Card

Creditaddict — Thu, 16 Sep 2010 16:52:40 GMT

GE has always pulled EQ for me

Re: Lowes Card

elaine829 — Thu, 16 Sep 2010 23:31:51 GMT

GEMB has always pulled Equifax for me.

Re: Lowes Card

Anonymous — Fri, 17 Sep 2010 13:09:00 GMT

TU here...

Re: Lowes Card

Anonymous — Fri, 17 Sep 2010 13:19:13 GMT

I got TU and EQ so overall we got nothing...

Re: Lowes Card

Anonymous — Fri, 17 Sep 2010 13:45:41 GMT

GEMB very well could've tried to pull EQ, but I have a 'file blocked for promotional inquires' on my EQ so...

Re: Lowes Card

Anonymous — Fri, 17 Sep 2010 14:07:15 GMT

You have an opt out?

I don't think that prevents hards ... otherwise if you opted out of all three then you would not be able to be granted credit. That's just PR's and PRM's if i'm not mistaken.

Re: Lowes Card

laz98 — Fri, 17 Sep 2010 15:54:56 GMT

we have several gemb cards, they all pulled EQ here in west texas.

Re: Lowes Card

Anonymous — Fri, 17 Sep 2010 16:20:28 GMT

Maybe it goes by state? I live in MA. So far they have not even pulled my credit yet even though I applied a couple of days ago.

Re: Lowes Card

ALP — Fri, 17 Sep 2010 16:34:32 GMT

In Georgia, they pull TU for the most part. They pulled EQ for my CareCredit account, but Lowes was definitely TU.

Re: Lowes Card

Anonymous — Sat, 18 Sep 2010 18:33:08 GMT

So from what we all got so far is that they don't pull exp ... that helps to some degree

Re: Lowes Card

Datx — Sat, 18 Sep 2010 18:40:31 GMT

I have the Walmart store card and PP buyer credit and GEMB pulled TU for both. I was thinking of going for the Amazon store card but havent pulled the trigger on it. Im pretty sure they will pull TU for that as well, im in the DFW, TX area.

Re: Lowes Card

AndySoCal — Sat, 18 Sep 2010 23:58:49 GMT

I have a Lowes card. I recently pulled my TU report and I see recent account review credit pulls from them.

Re: Lowes Card

laz98 — Sun, 19 Sep 2010 03:05:53 GMT

@MyCreditStinks wrote:
I have the Walmart store card and PP buyer credit and GEMB pulled TU for both. I was thinking of going for the Amazon store card but havent pulled the trigger on it. Im pretty sure they will pull TU for that as well, im in the DFW, TX area.

i've noticed el paso, texas seems to be different from the rest of the freaking state! LOL!

Re: Lowes Card

Anonymous — Sun, 19 Sep 2010 14:47:04 GMT

Finally got the alert that they pulled my credit..They pull Equifax. I did not get instant approval when I applied online...In anyone's experience, does this mean I am not likely to get approved?

Re: Lowes Card

Anonymous — Tue, 21 Sep 2010 01:17:18 GMT

Got the email today DENIED....oh well...

But the good news is I was approved this year for a $10k personal loan with my credit union, for overdraft protection with my regular bank, a credit card with Monroe (which services my car) and I am now one year in my house with my mortgage I obtained with USDA so I guess I can live with the one denial, though it is dissappointing.

Re: Lowes Card

Datx — Tue, 21 Sep 2010 03:16:01 GMT

@laz98 wrote:
i've noticed el paso, texas seems to be different from the rest of the freaking state! LOL!

You folks are a bunch of weirdos out there! Also part of the state that has a diff time zone from the rest of us. LOL, just kidding. I'll play nice.

I keep on thinking about applying for that Amazon card, but too much store cards is not a good thing. Or is it...hmm..