Apping for Lowes in store vs online?

[credit_endurance]

Hopefully this question can be answered.

I was wondering if you apply for Lowes in store will they pull a differnt credit report as they would online? If so, which CR does Lowes pull?

[Anonymous]

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@credit_endurance wrote:

Hopefully this question can be answered.

I was wondering if you apply for Lowes in store will they pull a differnt credit report as they would online? If so, which CR does Lowes pull?

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They would pull the same one.  Typically that is TU

[Meanmchine]

Lowes (Synchrony Bank ) typically pulls TU however they have also pulled EX in the past

[credit_endurance]

So Trans union huh. Thanks for the responses. It would be TR which is my weakest. Wondering what would be my chances of approval with them?

[Anonymous]

Based on your TU score in your siggy.  I would think you would be approved.  But ya never know,  I was approved with scores around 600 but for only 300 back in Jan of 2015.

But scores have grown to 679 and I'm now at 17000.

Good luck if you go for it.  

[Anonymous]

Do an internet search for credit pulls database and put in the Lowe's card and your state.  See what bureau was pulled.  95% of the time with online apps it's TU, but I've heard with in-store apps it's more like 50% TU and 50% something else.  If TU is your lowest (by a good margin) it may make more sense apping in store as your chances of them pulling something other than TU are greater than if you app online.

[credit_endurance]

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@Anonymous wrote:

Do an internet search for credit pulls database and put in the Lowe's card and your state.  See what bureau was pulled.  95% of the time with online apps it's TU, but I've heard with in-store apps it's more like 50% TU and 50% something else.  If TU is your lowest (by a good margin) it may make more sense apping in store as your chances of them pulling something other than TU are greater than if you app online.

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I will check out this credit pull database. I 've never understood to logic of pulling certain bureaus for different products. Thanks again.

[RonM21]

I think you would be approved also. Maybe not at the best of limits, but you would get it.

[Anonymous]

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@credit_endurance wrote:

So Trans union huh. Thanks for the responses. It would be TR which is my weakest. Wondering what would be my chances of approval with them?

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When I applied, they pulled EX for me. 

[CAnNY]

The pulled EX for me online then I called immediately and got CLI.