Score needed for Lowes?

[Anonymous]

You might. My income is only $45000; don't include BFs when I apply even though I have access to it, so it is possible that you could get a good SL.

[Anonymous]

What was your TU score when you first app'd in Sept-2015 and what was it in October-2015when you got the three large CLI's? From your signature, it looks like sub-672 score?

Are you still at $12K with Lowe's?

[KSK1912]

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@Anonymous wrote:

What was your TU score when you first app'd in Sept-2015 and what was it in October-2015when you got the three large CLI's? From your signature, it looks like sub-672 score?

Are you still at $12K with Lowe's?

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Yes, i believe the TU score was right under 670, and the cli's were as dated. 10/05 - 10/12 - 10/13 I am still at $12K becuase since then i also got my amazon $800 to $6K Walmart $150 to $6K and Sam's club $637 to $8K so when you look at the overall account, i came from $887 total starting limit on 4 accounts with Synchorny (walmart, amazon, sam's club and lowes) to $32K total exposure just in a matter of a few months with 30 new accounts in the last 12 months, several inquiries. So for the oment i am not asking for anymore cli's from them for any account. Even though they can grow quickly, don't forget that too much exposure with them will cause your other lenders to hold off on cli's because of your total exposure. I have been using my Barclays cards like crazy, but they are refusing a cli because they say i have too much available credit. So if you do not need $20K lowes account, then don't ask for it. I am seriously considering cutting my limits down with Synchrony to make room for other more important cards to grow.

[Anonymous]

Sadly, my Amazon and Walmart MasterCard have been credit-c*ck blocked by Synchrony since October 5, 2015, when I hit $6,000 limits for each.

I know in 7-8 weeks when my TU is clean I'll be able to get to $10-$15K on each, but the waiting is killing my poor credit in the garden forever soul.

I've asked every month since and been rejected. Starting this month I'm asking twice per month (once the day after the statement cut date and again after each calendar month plus a day later). 

30 new accounts in the last 12 months? My reaction to that....

Do you have a current mortgage (not old paid off mortgage still showing on your reports). Collecting data on how much owning a home plays in with Lowe's approvals and CLI. 

[Anonymous]

I got Lowe's at the end of April.  It was probably June or July when I got my first increase cause the central heating system went out so I priced one at Lowe's and started  requesting increases.  October was the last  time I was approved.  Tried in November, but was turned down.  Haven't tried since.  Need score above 700.  Want kitchen remodel this summer.  Don't have mortgage this year, but contemplating one next summer.

[KSK1912]

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@Anonymous wrote:

Sadly, my Amazon and Walmart MasterCard have been credit-c*ck blocked by Synchrony since October 5, 2015, when I hit $6,000 limits for each.

I know in 7-8 weeks when my TU is clean I'll be able to get to $10-$15K on each, but the waiting is killing my poor credit in the garden forever soul.

I've asked every month since and been rejected. Starting this month I'm asking twice per month (once the day after the statement cut date and again after each calendar month plus a day later). 

30 new accounts in the last 12 months? My reaction to that....

Do you have a current mortgage (not old paid off mortgage still showing on your reports). Collecting data on how much owning a home plays in with Lowe's approvals and CLI. 

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Not at the moment. I did get approved in Feb but looking around and seeing the market going literally crazy, decided to wait for about 6months. That's one of the reasons i got the Lowes account and grow it as much as i can because we will but a house soon and that account will come handy.