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Denied Lowes

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Denied Lowes

I am looking on maybe getting a phone number that I can talk to someone about being denied with Lowes. I have Amamon $5000  Newegg $5000 form the same bank, trying to firgure what I need to do at this point.

Message 1 of 9
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Re: Denied Lowes

@Act7

 

Did you check what your Transunion FICO 08 score was BEFORE you applied with Lowe's? Common knowledge you usually need at least a 670 TU FICO 08 score to be approved by Lowe's.

 

Do you have any foreclosures, bankruptcies, judgments or open collections on your TU report?

 

If you have a Walmart store or MasterCard or a membership to CCT (Credit Check Total) those TU scores are your REAL TU scores.

 

This is the Credit Solutions UW backdoor number  1-877-379-8175.

 

AAoA = 4.1 years|Oldest Account = 14 years|Inquiries = 1-EX, 2-EQ, 1-TU. I have the credit patience of a Buddha and Yoda love child, but the credit anger of The Hulk if I get a starting credit limit under $10,000!

$80,000 Merrill Lynch Visa+|$41,000 AMEX Blue Cash|$35,900 Cap1 QS|$35,000 Lowes|$25,000 NFCU CashRewards|$25,000 NFCU Flagship|$25,000 RBFCU Premium MC|$25,000 Walmart MC|$20,500 PenFed Platinum|$10,000 PenFed Promise|$9,000 Blispay Visa|$15,000 NFCU PLOC|$10,000 RBFCU PLOC|$10,000 PenFed PLOC|PayPal Credit $8,800
Message 2 of 9
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Re: Denied Lowes


@Act7 wrote:

I am looking on maybe getting a phone number that I can talk to someone about being denied with Lowes. I have Amamon $5000  Newegg $5000 form the same bank, trying to firgure what I need to do at this point.


Having credit from the same backer doen't mean you will have credit from different stores. They all have different criteria and you did not meet the criteria of Lowes for them to approve you for one. You could try to call them but you won't get far as Sync doesn't fair well with recon.

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 3 of 9
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Re: Denied Lowes

It was for business credit so I did not pg it

Message 4 of 9
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Re: Denied Lowes

100% agree with @ojefferyo about Sync.

If you've been denied calling them isn't going to get them to change their mind and their foreign crap customer service agents can't tell you anything either. Only that you'll get a letter in the mail in 7-10 days.

AAoA = 4.1 years|Oldest Account = 14 years|Inquiries = 1-EX, 2-EQ, 1-TU. I have the credit patience of a Buddha and Yoda love child, but the credit anger of The Hulk if I get a starting credit limit under $10,000!

$80,000 Merrill Lynch Visa+|$41,000 AMEX Blue Cash|$35,900 Cap1 QS|$35,000 Lowes|$25,000 NFCU CashRewards|$25,000 NFCU Flagship|$25,000 RBFCU Premium MC|$25,000 Walmart MC|$20,500 PenFed Platinum|$10,000 PenFed Promise|$9,000 Blispay Visa|$15,000 NFCU PLOC|$10,000 RBFCU PLOC|$10,000 PenFed PLOC|PayPal Credit $8,800
Message 5 of 9
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Re: Denied Lowes

Thank I'll just hold off until I build more credit

Message 6 of 9
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Valued Contributor

Re: Denied Lowes

We're talking about personal credit and I can't speak about Lowe's business credit. I also don't know if that UW number can be used for business credit accounts and/or denials. I'd post your question in the business credit section of MyFico.
AAoA = 4.1 years|Oldest Account = 14 years|Inquiries = 1-EX, 2-EQ, 1-TU. I have the credit patience of a Buddha and Yoda love child, but the credit anger of The Hulk if I get a starting credit limit under $10,000!

$80,000 Merrill Lynch Visa+|$41,000 AMEX Blue Cash|$35,900 Cap1 QS|$35,000 Lowes|$25,000 NFCU CashRewards|$25,000 NFCU Flagship|$25,000 RBFCU Premium MC|$25,000 Walmart MC|$20,500 PenFed Platinum|$10,000 PenFed Promise|$9,000 Blispay Visa|$15,000 NFCU PLOC|$10,000 RBFCU PLOC|$10,000 PenFed PLOC|PayPal Credit $8,800
Message 7 of 9
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Re: Denied Lowes


@CreditLuv wrote:
@100% agree with @ojefferyo about Sync.

If you've been denied calling them isn't going to get them to change their mind and their foreign crap customer service agents can't tell you anything either. Only hat you'll get a letter in the mail in 7-10 days.

Yes that's what I got on the phone. So I'll just wait and apply later

Message 8 of 9
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Re: Denied Lowes


@CreditLuv wrote:
We're talking about personal credit and I can't speak about Lowe's business credit. I also don't know if that UW number can be used for business credit accounts and/or denials. I'd post your question in the business credit section of MyFico.

Oh I see, I'm new to this I thought I was posting to the business side of it. Thanks for letting me know

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