Included Lowes In CH7

jmos · ‎06-25-2019

Hello my fellow MyFicoers. My CH 7 was discharged in October 2017. Unfortunately I also had to include Lowes even though I had a small balnce of a couple hundred dollars. I really would love to get back in with Lowes again. How long after discharge does it take to get back in their good graces? Thanks.

FireMedic1 · ‎06-25-2019

From what I've seen on here. They like a couple years after BK if burned and a score of 670+. There have been approvals and denials. So its a YMMV with Sync. maybe someone has more DP's. Its a toss up. I believe Home Depot is more forgiving. But dont write in stone.

DaveInAZ · ‎06-25-2019

@jmos wrote:
Hello my fellow MyFicoers. My CH 7 was discharged in October 2017. Unfortunately I also had to include Lowes even though I had a small balnce of a couple hundred dollars. I really would love to get back in with Lowes again. How long after discharge does it take to get back in their good graces? Thanks.

Well, Synchrony is pretty forgiving in general. I included a couple Synch cards in my CH7 discharged in Jan. 2011, my first Synch card was a Walmart store card on 2/1/13, right at two years. I had a $0 balance on my Lowes card so it was not listed in my filing but when they got notices on the other cards they closed Lowes but fortunately just marked it as 'closed by credit grantor'. I app'd & was approved for a new Lowes card in Jan. 2015, Low $737 SL but I called in and explained that I wanted to buy some new flooring and the rep increased it to $5k, today it has a $15k limit.

But Synch doesn't like to be the first one to grant you credit after a BK, I had a secured card and Best Buy MC before I app'd for Walmart. What other cards do you have and what is your FICO score look like? Synch pulls Transunion exclusively.

jmos · ‎06-27-2019

Hello and thanks for your reply. I have the following:

NFCU Cash Rewards 6000 CL

Capital One Platinum 3500 CL

NFCU Platinum 2500 CL

Ollo Card 2800 CL

Lend Up 700 CL

TU 625 EQ 676 EX 666

DaveInAZ · ‎06-30-2019

@jmos wrote:
Hello and thanks for your reply. I have the following:

NFCU Cash Rewards 6000 CL
Capital One Platinum 3500 CL
NFCU Platinum 2500 CL
Ollo Card 2800 CL
Lend Up 700 CL

TU 625 EQ 676 EX 666

Well, you've done a good job of rebuilding your credit. But for Lowes/Synchrony you need to get your TU score up in the range of EQ & EX. What's holding down TU so much lower?

pizza1 · ‎07-01-2019

Yes, they pull TU, so your score needs to be in range of 660+ before Id try with them again. I also IIB Synch with a few cards, and I was able to get back in 6 mo later with a few other their store cards like gap, tcp, Walmart. But It took me another 6 months to get Lowes. Its a YMMV thing as well.

jmos · ‎07-01-2019

Hi DAVEINAZ. What's weird is the situation with NASA CU. I included NASA IIB and they had reported the account as closed and with a closed on date, on both EX and EQ. However, the account status on TU still reports with zero balance, "no closed date" but remarks as "Included in Bankruptcy". I think that is detrimental and is holding down my TU score.

jmos · ‎07-01-2019

Thanks, pizza1. I will try to get my TU situation cleaned up and then try for LOWES again.