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Apping for Lowes in store vs online?

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credit_endurance
Valued Contributor

Apping for Lowes in store vs online?

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?

 

 

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 1 of 19
18 REPLIES 18
Anonymous
Not applicable

Re: Apping for Lowes in store vs online?


@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?

 

 


They would pull the same one.  Typically that is TU

Message 2 of 19
Meanmchine
Super Contributor

Re: Apping for Lowes in store vs online?

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

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 3 of 19
credit_endurance
Valued Contributor

Re: Apping for Lowes in store vs online?

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?

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 4 of 19
Anonymous
Not applicable

Re: Apping for Lowes in store vs online?

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.  

Message 5 of 19
Anonymous
Not applicable

Re: Apping for Lowes in store vs online?

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.

Message 6 of 19
credit_endurance
Valued Contributor

Re: Apping for Lowes in store vs online?


@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.


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

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 7 of 19
RonM21
Valued Contributor

Re: Apping for Lowes in store vs online?

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


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 8 of 19
Anonymous
Not applicable

Re: Apping for Lowes in store vs online?


@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?


When I applied, they pulled EX for me. 

Message 9 of 19
CAnNY
Frequent Contributor

Re: Apping for Lowes in store vs online?

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


Starting Score: TU 489 EQ 561 EX unknown (2/24/2013)
Current Score: Lender Pull (11/15/13) EQ 702, TU 679, EX 684
Goal Score: 720


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Message 10 of 19
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