Lowes CC

[Anonymous]

What kind of scores do you have to have to get approved for lowes card? Help anyone? My equifax is 642

[heirophant]

You are probably safe with that score and will get a pretty nice limit.  I would guess around 2K....but it all depends on what baddies are on the report.  No BK's, recent CO's, or collections?

[Anonymous]

I'm new to fico and just subscribed to score watch and got my equifax score (642) this is what it looks like.

3) collections unpaid and don't say to who but I'm sure it's medical

1st Original balance  $219

Date assigned    July,01,2002

Date reported     April 01,2008

Date last active  Sep 01, 2001 

2nd Original balance $487

Date assigned    Aug 01,2002

Date reported    April 01, 2008

Date last active  Nov 01, 2001

3rd Original balance $487

Date assigned    Aug 01,2002

Date reported    April 01, 2004

Date last active  Nov 01, 2001

On a positive note I have 3 accounts in good standing 1 with 0 balance and 2 auto joint with life partner who has helped me get a credit score because I started out with a score of 0 three years ago. What should I do now one of these has to be a duplicate but I don't know. Any help would be appreciated. I need a new lawn tractor, think lowes would approve me with a down payment?

[Jesedmotherof5]

have you check whogavemecredit.com ?

[Anonymous]

NO, I haven't applied for any credit since new auto in 2005 so I have no inquiries at all and the accounts I do have are all in good standing with 0 late payments since 2004 and paid down.1 auto in 2004 original balance of 25K owe lil over 9K & my truck original 30K bal now 12K.  I just have those 3 collections which I don't know what to do with yet... still awaiting feedback from others on here.

Message Edited by egh68 on 05-01-2008 04:33 PM

[heirophant]

Those are really old collections.  I have more than that that are newer and I got approved with an EQ of 602 for $800.  I think you should go for it.  The promos are awesome.

[heirophant]

As far as the collections, you need to find out the Statute of limitations for your state.  I wouldn't dispute unless they are past the point of being able to collect.  They are so old, they will fall off by next year on your report.  No need to rock the boat.

[haulingthescoreup]

Yes, but a lot of lenders will shy away from unpaid collections, regardless of how old. Don't know where GEMB falls in this department.

[heirophant]

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haulingthescoreup wrote:
Yes, but a lot of lenders will shy away from unpaid collections, regardless of how old. Don't know where GEMB falls in this department.

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Like I said, I still have some unpaid collections on my report and they approved me.  In fact, I also have a 2K Care Credit account.

Message Edited by heirophant on 05-01-2008 04:42 PM

[haulingthescoreup]

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@heirophant wrote:

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@haulingthescoreup wrote:
Yes, but a lot of lenders will shy away from unpaid collections, regardless of how old. Don't know where GEMB falls in this department.

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Like I said, I still have some unpaid collections on my report and they approved me. In fact, I also have a 2K Care Credit account.

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Oops, sorry, I missed that first time through. This has been a really long week, and one more workday to go!

Thanks for the catch.