Lowes Store Card GE MONEY Approved 639 Score

[Anonymous]

Got approved on March 7th for lowes credit card of $400 card limit my score according to myfico was 639 

I called today March 12th and asked for a credit line increase of $1100 dollars and was instantly approved. 

Not planning on spending on any of it so I hope this will help my card utilization overall

[Anonymous]

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@Anonymous wrote:

Got approved on March 7th for lowes credit card of $400 card limit my score according to myfico was 639 

I called today March 12th and asked for a credit line increase of $1100 dollars and was instantly approved. 

Not planning on spending on any of it so I hope this will help my card utilization overall

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Congrats

[BundiFan]

Do you know what CRA the hit and what state do you live in?

[Anonymous]

Well I just did it today so I don't know if they pulled using soft or hard and I don't from which report they checked but I can tell you on March 10th I pulled my credit report from another company I use to monitor my reports and I found the inquiry came from Transunion for getting the initial card.

I'm from New York the over taxed state !

[Anonymous]

Did you originally apply in the store or online?

[Anonymous]

Online with 71K income 

two BK's on file  13 and 7

card util was 74% at the time never late on cards

one auto loan which has 6K balance never late

oldest card is in 2007