Which bureau did Lowes pulls recently?

Anonymous · ‎11-06-2014

So, I am attempting to apply for Lowes again within the next week. I feel so defeated that they denied me but in all fairness, I did have a recent added medical collection which has since been removed. My issue is that they pulled EX. Most here, from what I've read, have been a TU puller when they have apped for Lowes. I really, really do not want want another INQ on EX but TU or even EQ is fine. So, if you have recently apped for Lowes, can you tell me your stats, location and which bureau they pulled. I'm also considering HH Gregg if I decide against Lowes. Can anyone provide any info regarding them? I plan on purchasing stainless steel appliances, well at least a refrigerator.

CH-7-Mission-Accomplished · ‎11-06-2014

I haven't applied with them, so I don't know who they pull, but why not just freeze Experian? Then you can decide whether the tradeoff is worth it and you will be in the driver's seat, not them.

Anonymous · ‎11-07-2014

That's a good take on it but I'm not sure if it's really worth freezing EXP. I may just go with HH Gregg as I think they are mainly a TU puller.

Creditaddict · ‎11-07-2014

for some reason as of late they have been pulling from any of the 3 reports vs. the always TU GE/Sync is so known for.

My EQ was frozen and they pulled TU for my personal app but they did pull EQ for my business app when my eq was not frozen (I didn't even know it was a possibility to happen at the time!)

Anonymous · ‎11-07-2014

That's what I'm worried about. I would have never apped the first time had I thought they would pull anything other than TU because the baddie was on EQ and EX. I know they can pull any bureau but it wasalmost always TU. I just don't know if it's worth it to take a chance.

I_need_720 · ‎11-07-2014

I got my Lowe's account just over 3 days ago. They pulled TU - I live in TX. My stats are below.

br>Current Scores: EQ: 629 EX: 654 TU: 682 on 12/30/2014 from myFico
Starting Scores: EQ: 640 EX: 672 TU: 663 on 08/26/2014 from myFico
Goal Scores: 750+

In the Garden till October 2015 - Last App November 13, 2014

Anonymous · ‎11-07-2014

Thanks!

Anonymous · ‎11-09-2014

I used to be credit coordinator at lowes a couple years ago . There's no one specific bureau they pull for everyone they deal with all 3 . If I were you I would go in person to a store nearby and talk to the credit coordinator . Their job and number one priority is to get you a lowes credit card so believe me when I say they would do anything possible to get you approved . Good luck .

b_diddy · ‎11-09-2014

@Anonymous wrote:
I used to be credit coordinator at lowes a couple years ago . There's no one specific bureau they pull for everyone they deal with all 3 . If I were you I would go in person to a store nearby and talk to the credit coordinator . Their job and number one priority is to get you a lowes credit card so believe me when I say they would do anything possible to get you approved . Good luck .
Do they hard or soft pull for CLI's?

FICO Scores: EX 733 (1/17/15) EQ 761 (1/17/15) TU 750 (1/17/15)