No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hi All! Relatively new here. I close on my first home this upcoming Thursday (woot woot). During 4th of July Lowes was having an amazing sale and credit offier (40% off, gift cards up to 900, etc). I spoke with the store manager and agreed to let me take advantage of these deals after close. Naturally, I could't do anything to screw with my credit prior.
Before I go out and try this upcoming Friday, I wanted to get some insights from those more experienced then me about my approval chances:
Experian: 723 4 - recent inquiries, all mortgage related
Transunion: 710 --> Does lowes/synchrony still primarily pull TU? 3 recent inquiries
Equifax: 658 (a new "collection" appeared on my this report over the weekend. I have spoken with the creditor and collection agency and it is process of being removed as it does not belong to me)
Credit utilization: 5%
No late payments
No collections on experian or TU (1 on equifax due to an error that is annoying AF that they can make an error in 1 day but take up to 30 to correct)
Sync in general is loose when it comes to approvals. 700+ on TU and you'll be in like Flynn. How high you can push them with a call to Credit Solutions is a different story but, call 877-379-8175 and ask them for 35K and let them counter back with what they're comfortable with.
Congrats on the mortgage!
Thanks!
Is it still better to apply in-store versus online? I have read that in-store may be easier to get what I need as there are tangible items associated with the application.
Hi and welcome to the forums @Anonymous
Synch primarily pulls TU for majority of their products, but in addition they SP EX for some.
@Anonymous wrote:Thanks!
Is it still better to apply in-store versus online? I have read that in-store may be easier to get what I need as there are tangible items associated with the application.
Can't say.... I would rather be approved and wrestle with them on the phone if need be before filling up a trolly of items to find out it's declined or not enough for what you need to spend.