Is Lowes BK friendly

[Cheryla18]

Ch 7 filed 12-25-15 discharged 7-2016.  Scores as of today EQ 603 TU 699 EX 635. I need a new fridge. Or even Home Depot are they BK Friendly

*********Edit (sorry was on my phone) TU should read as 599...it was 603 this morning before my new Kohls card hit my reports.***************

[Anonymous]

Are those Fico scores?
The credit pulls db shows lowes likes a TU of 670+, and to call the credit solutions for a cli right away.
Do you have a few other cards showing good payment history since 7/16?

[Anonymous]

I would definitely say Home Depot with a BK that new is probably out of the question.  I got my Lowe's card about 28 months post BK and well after I had re-established a more solid credit profile.  My TU upon approval was around 680 with lower 20's for utilization.

[pizza1]

Yes, they are both BK friendly. Your TU score is in line for Lowes, and Id apply in store for better results. If you get "declined", Id call credit solutions right then, because 9/10 its verification.

[Loquat]

In a word, yes.  I obtained my Lowes card while I was 3 years into my 5 year BK13 plan.  Didn't have an issue.  I even had my limit up to $17k prior to discharge. 

[TXinandout]

Yes, they are bk friendly. I got one 7 months post discharge with a lower score than yours and had burnt them in my bk.

[Cheryla18]

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@TXinandout wrote:
Yes, they are bk friendly. I got one 7 months post discharge with a lower score than yours and had burnt them in my bk.

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Sorry i was on my phone TU should say 599...it was 603 until my new Kohls acct hit my reports. What were your scores when you applied and how far out of BK were you? I don't think i have even had a card by Synch.

[pizza1]

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@Cheryla18 wrote:

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@TXinandout wrote:
Yes, they are bk friendly. I got one 7 months post discharge with a lower score than yours and had burnt them in my bk.

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Sorry i was on my phone TU should say 599...it was 603 until my new Kohls acct hit my reports. What were your scores when you applied and how far out of BK were you? I don't think i have even had a card by Synch.

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, oh....Id wait then till your scors get to at least 620, min...

[TXinandout]

My TU score was 650 and was 6 months past discharge. I will wait until you are at least over 620.

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@Cheryla18 wrote:

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@TXinandout wrote:
Yes, they are bk friendly. I got one 7 months post discharge with a lower score than yours and had burnt them in my bk.

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Sorry i was on my phone TU should say 599...it was 603 until my new Kohls acct hit my reports. What were your scores when you applied and how far out of BK were you? I don't think i have even had a card by Synch.

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[raisemysc0re]

I was wondering about getting one or both of the Home Depot/Lowes cards for the 6Mo. 0% financing option.

What chances do you guys think I have giving the following information:

My Fico8 scores are currently EQ(705), TU(686) and EX(716)

I filed Chapter13 Oct/2013 and was successfully discharged June/2016

I burned Citi on a couple of cards, which I believe could stop me from getting the Home Depot card???

I have a sync card in my Amazon Prime card which I believe is the Lowe's creditor???

My inquiries are as follows

EQ (12mo=2/24mo=5)

TU (12mo=2/24mo=4)

EX (12mo=1/24mo=3)

Current Lines of Credit:

CapOne QS CL=14K / bal=905.00

CapOne CL=4K / bal=0.00

Discover It CL=12K / bal=110.00

Amazon CL=3300 / bal=0.00

FirstBank CL=2k / bal= 0.00

Well's Fargo Furniture CL=3700 / curr bal=0.00

Mortgage Starting bal=165k/ curr bal=120k

DCU Auto Loan Starting bal=6750 / curr bal=2927

Ford Motor Credit Starting bal=15,500/ curr bal 13,850

No late payments since discharge but showing 2 lates on report:

EQ 30 days late July/2011 (Accurate and will fall off next year)

EX 90 days late April/2016 (This is not accurate though and I'm working with creditor to fix)