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Burned Lowes in CH7-Tried To Get Back In

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
New Contributor

Burned Lowes in CH7-Tried To Get Back In

Hello my fellow Myficoers.  Chapter 7 BK was dicharged October 2017. I burned Lowes for a couple hundred dollars and well I decided that maybe enough time had passed to be able to get back in. I apped today and was denied. The sole denial reason was "prior unsatisfactory obligations". So, 20 months later, still not able to get back in with Lowes. I'm sure that individual situations may differ but this is my "time since discharge" data point. 

Message 1 of 9
8 REPLIES 8
Contributor

Re: Burned Lowes in CH7-Tried To Get Back In

Great data point, thanks


In the garden until 12/10/2019
Goal is 720+
11/15/17 EQ 591 TU 469 EX 545 FICO 8
12/25/18 EQ 676 TU 669 EX 659 FICO 8
EQ 33 INQ l TU 29 INQ l EX 48 INQ l
Message 2 of 9
Valued Member

Re: Burned Lowes in CH7-Tried To Get Back In

Lol really???  Hey if you got back in, then shame on them.  But I guess all is right in the world.  Ahaha

Message 3 of 9
Moderator

Re: Burned Lowes in CH7-Tried To Get Back In

Lets all remember to make our comments in an FSR manner. Thank You.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 4 of 9
Frequent Contributor

Re: Burned Lowes in CH7-Tried To Get Back In

I'm 3 years out of chapter 7, we burnt Lowes - Still can't get in, however I did apply for a Synchrony Home credit card, and I can use it at Lowes with no interest promos over $100 for 6 months so at least that's something. I've sort of designated it as my "Lowes" card.

Ch7 BK filed 7/5/16, DC 10/12/16
Message 5 of 9
New Contributor

Re: Burned Lowes in CH7-Tried To Get Back In

Hello, YoureWelcome. The only reason that Lowes was even IIB, even for a couple hundred dollars, was because all creditors have to be added to the list when you file CH 7. The purpose of the post was a data point to help other MyFicoers. Thanks for the kind words of encouragement.

Message 6 of 9
Community Leader
Super Contributor

Re: Burned Lowes in CH7-Tried To Get Back In


@jmos wrote:

Hello, YoureWelcome. The only reason that Lowes was even IIB, even for a couple hundred dollars, was because all creditors have to be added to the list when you file CH 7. The purpose of the post was a data point to help other MyFicoers. Thanks for the kind words of encouragement.


@jmos , you dont have to justify anything to anyone here.  Noone needs to know "why" they were IIB or not, and that other poster should know better that in a BK7 all accounts are included , and there are NO exclusions.  Thats why we had a Mod step in to remind folks of being FSR. Smiley Happy

As far as Synch goes....you will eventually get back in. Also, Their UW is a little different as well. They have been know to pull EX for the Lowes card...whats your EX FICO 08 right now? 


Scores held down by umpteen INQ & New accounts
~~~BK7 d/c-08/2013......my rebuild worked for me, but won't necessarily work for you.~~
Message 7 of 9
New Contributor

Re: Burned Lowes in CH7-Tried To Get Back In

Thanks, pizza1. Today's Discover Scorecard has my EXP 8 at 659.    

Message 8 of 9
Highlighted
Regular Contributor

Re: Burned Lowes in CH7-Tried To Get Back In

Pizza1 you're awesome. That's why I love it here. We all may have things that we dont know or agree with but respect for every question is always a priority.
Message 9 of 9