cancel
Showing results for 
Search instead for 
Did you mean: 

812 fico and denied!!

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
Established Contributor

812 fico and denied!!

went for the lowes love button today and nothing!! heres the denial score they sent me, AAOA 6.8 and 17 year history, 11 year old oldest account. 

 

Screen Shot 2019-05-23 at 3.49.53 PM.png

 

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Message 1 of 32
31 REPLIES 31
Established Contributor

Re: 812 fico and denied!!

Screen Shot 2019-05-23 at 4.04.13 PM.png

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Message 2 of 32
Super Contributor

Re: 812 fico and denied!!

Clearly your scores are great, so it will be interesting to see what reason they give for the CLI denial.


Total revolving limits 720500 (594000 reporting) 10/2/19 FICO 8 scores: EQ 744 TU 782 EX 746
Message 3 of 32
Moderator Emeritus

Re: 812 fico and denied!!

Well as we always state there's more that goes into underwriting an application for anything than just one's FICO.

 

Your Honor I enter Exhibit A as evidence!




        
Message 4 of 32
Moderator

Re: 812 fico and denied!!

OP, what's the current CL on your Lowe's CC?   If it's at or >$10K, Credit Solutions would be the best route for the CLI request/review.

Message 5 of 32
Super Contributor

Re: 812 fico and denied!!


@Revelate wrote:

Well as we always state there's more that goes into underwriting an application for anything than just one's FICO.

 

Your Honor I enter Exhibit A as evidence!


I once got turned down by Lake Michigan Credit Union for a credit card, when the score they'd pulled was my TU FICO 9, sitting at 827 or 829.

 

 


Total revolving limits 720500 (594000 reporting) 10/2/19 FICO 8 scores: EQ 744 TU 782 EX 746
Message 6 of 32
Community Leader
Super Contributor

Re: 812 fico and denied!!

Great score. In my humble opinion , scores really are meaningless. Lenders look at so much more than just a number and it can be disheartening for sure. It could be just that you arent elible for an increase right now. Not sure how much longer i want to play this game🤔
#ChaseCreditCardHobby Enthusiast
2022
!
Message 7 of 32
Community Leader
Valued Contributor

Re: 812 fico and denied!!

We’re all scratching our heads over this one lol. Sorry about the denial. Lowe’s/Sync be crazy 

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 8 of 32
Valued Contributor

Re: 812 fico and denied!!

Having a good score doesn't mean you're entitled to a CLI.

 FICO 8
Message 9 of 32
Valued Contributor

Re: 812 fico and denied!!


@swpopham wrote:

went for the lowes love button today and nothing!! heres the denial score they sent me, AAOA 6.8 and 17 year history, 11 year old oldest account. 

 


There used to be a 4mo/4tatement timing with them in the past.  I haven't paid attn to them in awhile though.  If you have a need or real desire to get them up from wherever they're at then give them a call at 877-379-8175 and you will have more luck than the online form.  The max before they start asking for POI is 35K.

500K+ TCL / 800+ FCOs
Message 10 of 32
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.