4th time lowes credit denied

[Anonymous]

This is the fourth time in the last 16 months lowes has denied me. Anyone know around what score is needed to get approved. I've already eaten four hard inquiries with them and not sure if I should risk any more in the future. I've been in the garden for the most part for the last 12 months so figured i'd give it a shot. My scores are around 635. Any suggestions would help.

[Anonymous]

---

@Anonymous wrote:

This is the fourth time in the last 16 months lowes has denied me. Anyone know around what score is needed to get approved. I've already eaten four hard inquiries with them and not sure if I should risk any more in the future. I've been in the garden for the most part for the last 12 months so figured i'd give it a shot. My scores are around 635. Any suggestions would help.

---

FICO scores? or FAKO/CK's

Your score/profile simply isn't in their match it seems.

[wmweeza]

Looking at online credit pull databases, minimum seems to be 640, but I'd bet utilization and other factors may be an issue too

[Anonymous]

---

@wmweeza wrote:

Looking at online credit pull databases, minimum seems to be 640, but I'd bet utilization and other factors may be an issue too

---

My util is extremely high, but I anticipate paying them all down shortly. I think I pulled the trigger too early. Can you post a link to the credit pull databases so I can check them out please?

[wmweeza]

I can't, we aren't allowed links like that, but google "Credit pulls database" and click on the 1st link

[Creditaddict]

---

@Anonymous wrote:

This is the fourth time in the last 16 months lowes has denied me. Anyone know around what score is needed to get approved. I've already eaten four hard inquiries with them and not sure if I should risk any more in the future. I've been in the garden for the most part for the last 12 months so figured i'd give it a shot. My scores are around 635. Any suggestions would help.

---

when you are a credit rebuilder AND hold a few other cards from the same lender... I would never suggest applying for more cards with high util.... it looks like you can't manage what you have already.

[elim]

my TU fico was 666 when i got approved (i also had 0% UTIL at the time). in a few months i got a 10x CLI.

[msbia]

I was a borderline approval back in April when I applied CL of $300. No matter how much I begged they wouldn't budge. Last month I called, got the American Credit Solutions, asked for $3,000 to buy a new washer with the 0% promo. She approved within minutes and I hadn't used the card since Father's Day in June.