Lowes Denial

[Anonymous]

AVERAGE NUMBER OF MONTHS ALL CREDIT ACCOUNTS HAVE BEEN OPEN IS TOO LOW

TOO MANY INQUIRIES IN THE LAST 6 MONTHS (Fraud alter causes many creditors to pull my report to contact me and its been messing me up)
HIGHEST RATIO OF REVOLVING BALANCE TO CREDIT LIMIT IS TOO HIGH (15%)

I was wondering if they are good at recon?

[willwar14]

Sync doesn't recon sadly.

[elim]

what's your AAoA?

how many inq's on TU?  when were they?

[taxi818]

Not a lot of info to go on other than denial. guessing everything is pretty new if getting denied for lowes. Pretty easy card to get. let us know op.

[olehammer]

I was denied right after getting the Walmart store card. Of course got my Cap1 QS1 and CHASE freedom ($4,500) approved the next day. Pretty bummed as I was going after Lowes to boost my overal CL given their friendly CLIs.

At this point since I already have 3 store cards now Lowes gets my blacklist .  Hello Home Depot CC sometime in the future.

[Anonymous]

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@Anonymous wrote:

AVERAGE NUMBER OF MONTHS ALL CREDIT ACCOUNTS HAVE BEEN OPEN IS TOO LOW

TOO MANY INQUIRIES IN THE LAST 6 MONTHS (Fraud alter causes many creditors to pull my report to contact me and its been messing me up)
HIGHEST RATIO OF REVOLVING BALANCE TO CREDIT LIMIT IS TOO HIGH (15%)

I was wondering if they are good at recon?

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No.  Lowes doesn't recon, but give it a couple of months.  The first time I applied, my UTI was around 15-20% and I had numerous new accounts, and my AAoA was low also, but since I had just gotten my new accounts and hadn't really shown a payment history, I was turned down, but I waited patiently and a few months down the road I was approved.  Once your other cards age some, then they tend to be more favorable towards approval.  By the way who did they pull for you?  They pulled EX for me and my score was somewhere between 650-660.