Odds for Lowes approval

[Anonymous]

Hubby has a 676 TU, 1 baddie 50 months old, AAoA is .8 months, annual income is 53000. Do you think he has a shot for it? Planning on doing some work on our house.

[elim]

good chance of approval

good luck  :]

[MyLoFICO]

After he gets it be sure to have him call the backdoor # (877-379-8173) and request a CLI. He can do it the same day. My score is lower than his, I have 1 baddie and mine went from $500 to $5000. I called while I still had the approval page on my screen. He should ask for $20k from them, they will either grant it or counter offer. Good luck!

[Anonymous]

He hates talking on the phone. I know you can request a CLI thru chat, but do you have to have the card first to do that? Or do you need to call for the card number?

[MyLoFICO]

Someone else will have to comment on that. I know you can ask but not sure what kind of Pull that would be. I suppose the first rep can transfer the chat to credit Solutions which is who does the SP CLI. That is probably what would happen. 

[Anonymous]

Better off on the phone asking for a CLI imo. All my CLI's were declined on chats. Called in and they were approved. it was always a SP.

[fishbjc]

When you call the credit solutions #, it's an entirely different department than the ones via online chat.

No call, No chance.  Just do it.  It literally took 10 minutes.  Hubby went from $2,000 to $12,000.

[Anonymous]

Looks like he's just going to have to call then. Poor guy. Lol

[Anonymous]

Hubby is going to app for Lowe's this week. He is also thinking about trying for an Amazon CLI. Is there a particular order he should do this in? His Amazon account is totally paid. Wanted to zero it out before applying for Lowe's.

[Anonymous]

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@Anonymous wrote:
Hubby is going to app for Lowe's this week. He is also thinking about trying for an Amazon CLI. Is there a particular order he should do this in? No His Amazon account is totally paid. Wanted to zero it out before applying for Lowe's. I don't think this has anything to do with it.

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I don't have Lowe's but I did something similar with wally and amazon. I had the amazon for a few weeks when I got the wally acct and while it was fresh on my mind I called CS and asked for a $10K CLI on the wally. They countered with $3500. While is still had the CS agent I asked for the same on my amazon and got the same result. I have a couple of old baddies and my annual income is under $40K.