Good morning All,
I am on a rebuilding journey after crawling back from the pits of darkness.
Recently applied for Cap 1 Quicksilver card and was approved over 2 months ago. ($300 SCL)
Some DP's before I ask my question.
Both my Experian and Equifax have nothing other than the QS card on the report. 2 HP on Equifax and 0 on Experian. My Transunion on the other hand has and old Onemain loan that shows paid and in good status, this was from over 8 years ago, the QS card and 2 HP.
Transunion FICO 8 701/ Vatange 721 ( not sure which version) Experian Vantage 691 / no FICO. Equifax Vantage 677/ FICO unknown.
So, trying to build up my file but not tying to go on a shopping spree this ealy with nothign to back me up, so was checking cards with prequalify options and most of the ones from my research like the AE Card and Wallgreens are not something that would use frequenty, but Lowes is a place I frequent a lot and can see a lot of use for this card. Decided to prequal to my surprise it did for a $2000 at 28%. Decided to take the hit and applied. Well here is where my situation starts, it wouldve been fine if it had been and instant denial not going to get depressed about it, intead I got a 7-10 letter message, which I'm sure its a denial or letter to verify further.
Here is the thing, there was no HP to any of the bureus and it has been 4 days. Is this normal or will it show up as a suprise weeks later?
My guess is that if its a further review letter they will do a HP on the call but now im questioning what are my odds of even being approved. Felt great about it when I saw the prequalify but i know I should have both feet on the ground when it comes to those.
Do you feel there is any possibility with my file. 
Or any advise on where to start, how long to wait, which cards to apply for when the time is right.
I'm honesly back at 0 and don't even know where to begin, had it not been for my spouse who encouraged me to start rebuilding, I would'nt have thought it was possible for me.
Thanks in advance for your reponses, you guys are great! 
they might need verification of some sort, call them
they might ask you to wait for a letter or they might be able to do it right then and there
The basic Lowes card is through Synchrony. They use Vantage Score 4.0 not FICO.
Call them and talk to them but there is no "recon" available. If denied you are just denied. If it's not a denial though you can get the ball rolling without waiting on them to mail whatever request to you.
8/8/25
Congrats on the Lowe's approval! I know it can be frustrating and a bit overwhelming when an app or prequal goes sideways with the 7-10 day letters. Glad you called in and got the response you were hoping for.
