@Anonymous wrote:Hello myfico world. first post here. first, i love this place. this place is so full of empowering consumer info. thanks all. i found this place when i stopped ignoring my credit that i destroyed years ago. filed freecredit report and saw a FAKO score of 550. i was depressed. didnt know it was a FAKO score at the time. on the upside, my credit wasnt near as bad as i expected. 2 no pays totalling $1300. and no credit history. i went to my bank, got a secured loan for $300, cuz i remembered that that was a good way to start. completed, and got another one with a year for $1000. paid off. after this, my credit union who is workin with me on this rebuilding plan, University Federal Credit Union, helped me apply and receive a secured visa with $500 limit. oh, before this i settled both my no pays. well fast forward to today, and my current TU FICO IS 686, EX FAKO=687, and EQ=629. i expect these scored to go up as my Util this month is 88%. that wont happen again as ive learned about posting dates and util ratios. will keep it around 5% from here on out. AAoA is only a year now. just found this site after i did all that other stuff on my own. wish i woulda found it sooner, oh well. Today after reading this site for days, i got the courage/jones to apply for a store card. applied for Lowes online and was instantly approved for $300. i was ok with that limit cuz i was just psyched to get approved. but after reading hear i decided what the hell, and called back door to lowes. i requested an increase to $1500. was asked questions, then transferred to underwriting. she askd more quesitons and reviewd my report, Equifax by the way. she returned after a few and said she was sorry she couldnt honor my request. i was like dammm. then she said your NEW CREDIT LIMIT is $900. i was pleased. thanks myfico forumites!
Congrats on your progress with rebuilding! May be good to join the Garden Club and watch your scores grow and futher CLI's come your way!
@Anonymous wrote:Hello myfico world. first post here. first, i love this place. this place is so full of empowering consumer info. thanks all. i found this place when i stopped ignoring my credit that i destroyed years ago. filed freecredit report and saw a FAKO score of 550. i was depressed. didnt know it was a FAKO score at the time. on the upside, my credit wasnt near as bad as i expected. 2 no pays totalling $1300. and no credit history. i went to my bank, got a secured loan for $300, cuz i remembered that that was a good way to start. completed, and got another one with a year for $1000. paid off. after this, my credit union who is workin with me on this rebuilding plan, University Federal Credit Union, helped me apply and receive a secured visa with $500 limit. oh, before this i settled both my no pays. well fast forward to today, and my current TU FICO IS 686, EX FAKO=687, and EQ=629. i expect these scored to go up as my Util this month is 88%. that wont happen again as ive learned about posting dates and util ratios. will keep it around 5% from here on out. AAoA is only a year now. just found this site after i did all that other stuff on my own. wish i woulda found it sooner, oh well. Today after reading this site for days, i got the courage/jones to apply for a store card. applied for Lowes online and was instantly approved for $300. i was ok with that limit cuz i was just psyched to get approved. but after reading hear i decided what the hell, and called back door to lowes. i requested an increase to $1500. was asked questions, then transferred to underwriting. she askd more quesitons and reviewd my report, Equifax by the way. she returned after a few and said she was sorry she couldnt honor my request. i was like dammm. then she said your NEW CREDIT LIMIT is $900. i was pleased. thanks myfico forumites!
GRATS ! Im also on a LONG way back with my credit 
Congrats on the new CC and on rebuilding your credit. Sounds like you're off to a good start!
Congrats on your card. Enjoy the 5% discount.
Remember its GE so technically you show good use of the card, after the 4th statement you could ask for a CLI
@Anonymous wrote:Thx ya'll. is it normal for them to pull equifax for lowe's? the reason i pulled lowe's is because i thought they would pull TU.
They pulled TU for me.
@Anonymous wrote:Thx ya'll. is it normal for them to pull equifax for lowe's? the reason i pulled lowe's is because i thought they would pull TU.
It might just be your area. Lowes is GEMB who pull TU the vast majority of the time.