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Lowes CLI

Regular Contributor

Lowes CLI

Foreclosure came off Transunion via EE this morning. Got a 60 point bump so I called Credit Solutions. $35,000! Closing on the house on Friday and buying all new appliances so this will let me take advantage of the 0% without killing utilization.

Message 1 of 11
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Valued Contributor

Re: Lowes CLI

Congrts on your increase! Credit Solutions are great. What are your current scores with TU after the point jump if you dont mind me asking?

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Jan 2021 (TU 776) (EQ 773) (EXP 760)
$700k+ Tradelines in progress
Gardening Reset: February 2022
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 2 of 11
Super Contributor

Re: Lowes CLI

I'd venture to guess that the OP has a TU score somewhere around 720+ give or take.  I've seen several people able to acquire $30-$35k limits on their Lowe's card with scores right around 720.

Message 3 of 11
Established Contributor

Re: Lowes CLI

Congratulations on a huge bump on score and cli.
Samsung has some really nice but expensive appliances out there. If your buying them you'll need that credit limit. Hahaha
Enjoy that new home and welcome to my fico, I see you're a new contributor.
eq 757 ex 762 tu 763 Chase Amazon 5000 citi double cash 4300 Citi TYP 8100 Cap1 Quicksilver Visa Sig 10000 Walmart MasterCard 6600 Big Sandys 4000 Best Buy 5100 LLbean 2300 Cashforward 17500 Sam's Club 10000 Discover Card 10000 bluecash 5800 everyday 10000 boa americard 20300 boa cash rewards 7000 marvel 10000
Message 4 of 11
Valued Contributor

Re: Lowes CLI


@Vortexeng wrote:

Foreclosure came off Transunion via EE this morning. Got a 60 point bump so I called Credit Solutions. $35,000! Closing on the house on Friday and buying all new appliances so this will let me take advantage of the 0% without killing utilization.


 

 

Awesome!! When you say EE, when was the foreclosure due to drop-off originally?

744 INQs: 10754 INQs: 5743 INQs: 12UTIL: 1%AAoA: 3yr 6mosTotal Credit Line: $8616250
Message 5 of 11
Regular Contributor

Re: Lowes CLI


@Ysettle4 wrote:

@Vortexeng wrote:

Foreclosure came off Transunion via EE this morning. Got a 60 point bump so I called Credit Solutions. $35,000! Closing on the house on Friday and buying all new appliances so this will let me take advantage of the 0% without killing utilization.


 

 

Awesome!! When you say EE, when was the foreclosure due to drop-off originally?


It was scheduled to come off Feb 2017

Message 6 of 11
Regular Contributor

Re: Lowes CLI


@credit_endurance wrote:

Congrts on your increase! Credit Solutions are great. What are your current scores with TU after the point jump if you dont mind me asking?


760. It's been wandering between 698 and 704 so it went up somewhere between 56-62 points.

Message 7 of 11
Super Contributor

Re: Lowes CLI

Congrats! on your new Lowes line!

Message 8 of 11
Valued Contributor

Re: Lowes CLI

740 plus seems to be that magic number for CS to offer up the bank. Good info and again congrats.

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Jan 2021 (TU 776) (EQ 773) (EXP 760)
$700k+ Tradelines in progress
Gardening Reset: February 2022
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 9 of 11
Moderator

Re: Lowes CLI

Congrats on the score bump and your new home!

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