topic Re: Lowes CLI after activation No Go in Credit Cards

Lowes CLI after activation No Go

Creditaddict — Mon, 02 Jan 2012 18:38:24 GMT

Well I called number on back of card and was given 800-528-2334 for Underwriting.

He put me on hold and came back in seconds saying I had a freeze on my EQ, true but they used TU to approve me... he says they only use EQ for account reviews and CLI...hmmm

Re: Lowes CLI after activation No Go

LS2982 — Mon, 02 Jan 2012 20:37:04 GMT

I can believe that, that is how JCP is. TU pull for new acct EQ for manual reviews.

Re: Lowes CLI after activation No Go

CS800 — Mon, 02 Jan 2012 21:34:42 GMT

@Creditaddict wrote:
Well I called number on back of card and was given 800-528-2334 for Underwriting.
He put me on hold and came back in seconds saying I had a freeze on my EQ, true but they used TU to approve me... he says they only use EQ for account reviews and CLI...hmmm

That's horrible. TU to approve and EQ to review. That in itself doesnt make sense. But good info to know.

Re: Lowes CLI after activation No Go

Anonymous — Tue, 03 Jan 2012 02:14:43 GMT

@CS800 wrote:
@Creditaddict wrote:
Well I called number on back of card and was given 800-528-2334 for Underwriting.
He put me on hold and came back in seconds saying I had a freeze on my EQ, true but they used TU to approve me... he says they only use EQ for account reviews and CLI...hmmm
That's horrible. TU to approve and EQ to review. That in itself doesnt make sense. But good info to know.

It's probably so they can get a better picture of your whole credit report, although I agree that it's pretty odd. You'd think that they'd either stick to the same CRA or pick a random one each time (to prevent people from trying to hide details/only use their best report).