Does anyone know the average score Lowes or Home Depot look for?

[GettingBetter2015]

I know I'm just starting out and I'm planning to give my newest cards at least 6 months of good usage and payment before I consider something else but I'm curious. Does anyone happen to know average scores Lowes and Home Depot cards tend to accept? I would like to have one of their cards in the near future for all the money we tend to spend there. It seems odd to me that I'd even want one of these cards because I hated these stores as a kid, but alas 7 years ago when I became a homeowner, these two places (and Menard's too) have become my favorite stores! Any help and advice is greatly appreciated!

[Anonymous]

If you google the credit pull database, it will give you a broad range of what scores people where approved for. 

[GettingBetter2015]

Thanks, yes-it's-me! I'll do that! :-)

[ds3]

My TU score was stuck at 638 forever with Synchrony, and I could get nothing...no increases or new credit. It hit 640 with them yesteday, and I was finally able to get a CLI on Walmart and the Lowes card. I used to have Home Depot (Citi), but finally gave up after 2 years at a $500 CL.

[sobeone1]

Home Depot requires blood samples and your first male born child. Lowes, all you have to do is be a human. Always ask for 25k

[baller4life]

Home Depot sucks. Lowe's rocks!!!

[GettingBetter2015]

Lol, well there are days they could have my first born male son! ;-) I'm only kidding on that part, he's a pretty good kid and I'm trying to teach him money responsibility early on since he's only 6. (My parents never talked money or showed us that they were paying bills with us, I don't want to do that though).

I'm hoping to app with Lowes soon, but I want my score in the 600s before I do. I'm hoping they'll be there soon with good reports from my current cards. I've had more luck finding things at HD recently, but the guys at Lowes have been very helpful with getting heavy items for me (being 7 months pregnant they seem to bend over backward to help me) the people at HD didn't even lift a finger when I asked them to help me pick up a 5 gallon bucket of paint. Lowes is also two minutes closer to me too! :-))

[ways2go]

The minimum score citi will take on a home depot app is 640.

[thom02099]

According to the Credit Pulls Database, Home Depot has approvals with scores in the low 600s (600/603/606) as well as scores in the 620s and 630s.  Denials seem to be related to either high utilization or too many inquiries.

Lowes is somewhat similar from the same database, with low 600s being approved.  They also appear to deny more in the lower end of the 600s, looks like generally 620 and above for approvals. 

With both, there are some reports of approvals sub-600, but they are FAKO scores. 

[taxi818]

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@sobeone1 wrote:

Home Depot requires blood samples and your first male born child. Lowes, all you have to do is be a human. Always ask for 25k

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hmm. i got the home depot. i think with about a 700 score. on experian . they wanted to pull eq. but no way. however. i want cli and they want another hp. i kinda agree with everyone else. next card will be lowes for me. and home depot will die slow sock drawer death. but to op's question. im pretty sure a 650 should get home depot. and as other said. a pulse will get you lowes. or 600.