No Lowes Luck

[Anonymous]

I decided to pull the trigger on Lowes a few weeks ago and got shot down immediately. Of course I called them to ask for a recon and they wouldn't budge. I waited 2 weeks and called back again, and the guy I talked to told me I would have to submit another ap because too much time had passed for recon. So I went to the Lowes website and resubmitted the ap and was auto denied again. When the denial letter hit my mailbox it said denied because I had applied to recently, and my credit was not pulled a second time.

If that was the case, why couldn't I recon? Any ideas?

I want that Lowes card bad...I am a junkie.

[Anonymous]

How old are your accounts? Your TU score is great, but your high credit and types of accounts seem weak.

[Anonymous]

Yeah...they are weak indeed. I just started rebuilding this summer. Ive had the Cap1 for almost a year, the Merrick for 6 months, and all the others are 1-2 month old babies. I racked up quite a few inquires (now totaling 19 TU, 18EQ, and 11 EX) during that spree also, so I think I'm headed off to the garden to heal and season these accounts.

I tried with AMEX, CITI, BofA and Discover to no avail.  Also tried NFCU and PENFED...all I got out of it was a $500 Line of Credit with PENFED.

I also have one Charge Off with First Premier from 2012 and one with GM Financial from 2012 also that I need to eliminate. Maybe after I get rid of those and season my accounts a bit, then I can get some better players on my team.

[Anonymous]

Opposite here got lowes but penfed denies me seems strange to me

[surferchris]

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@Anonymous wrote:

Yeah...they are weak indeed. I just started rebuilding this summer. Ive had the Cap1 for almost a year, the Merrick for 6 months, and all the others are 1-2 month old babies. I racked up quite a few inquires (now totaling 19 TU, 18EQ, and 11 EX) during that spree also, so I think I'm headed off to the garden to heal and season these accounts.

I tried with AMEX, CITI, BofA and Discover to no avail.  Also tried NFCU and PENFED...all I got out of it was a $500 Line of Credit with PENFED.

I also have one Charge Off with First Premier from 2012 and one with GM Financial from 2012 also that I need to eliminate. Maybe after I get rid of those and season my accounts a bit, then I can get some better players on my team.

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Agreed.  I would wait until those new accounts age a year, then do another app spree.  Congrats on your great progress.

[Anonymous]

Thank you all for the encouragement. My credit is headed in the right direction thanks to this forum and all of the people who contribute to it.

[Anonymous]

The competitor in me made me do it.  I had give one more stab at getting that Lowes before I went to the garden. One HP, and two phone calls later my wish was finally granted. Now I'm in with Lowes, but approved for $700 SL. 

It 'll grow.

[padme]

I apped like 9 months before and was denied, scores built up a little and apped again got the $300 limit, at 5k now a year or so later.

[AverageJoesCredit]

Very Nice wifeeboo. Nice persistance. This one can grow into a monster . Ive seen people get approved for that amount or less in a one phone call get it up to 7k or more, thats Synch for ya. Just take your time and youll have a nice cl in no time

[padme]

btw, I got my 1st Cli with lowes, by just hitting the CLI on page, got the 5k out them by chat, asked for 10k. but my scores are only 650 with 3yr bk7.