Lowes card approval odds?

[Anonymous]

How about October? Lol.
I’ll have all of my balances on every card to zero.

[Anonymous]

A couple are after the BK.

[Anonymous]

Thank you. I’ll be paying balances down soon and should get a score jump from that. I was also considering using CS 360 while I do that. Would that be a good idea?

[CreditInspired]

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@Anonymous wrote:
How about October? Lol.
I’ll have all of my balances on every card to zero.

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IMHO, October only if you have taken care of the collections.

Also, do not pay all balances down to $0; you'll lose a few points. Leave a $5-10 balance on one card.

[Anonymous]

Thank you for your input! I'll leave one with a balance below 8.9%.

Should I try CS 360 while I am paying down balances? To see if I can get anything removed that way before tackling the collections?

[CreditInspired]

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@Anonymous wrote:

Thank you for your input! I'll leave one with a balance below 8.9%.

Should I try CS 360 while I am paying down balances? To see if I can get anything removed that way before tackling the collections?

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If you have to pay CS 360 to get collections removed, the answer is no. You can call each collection company involved and ask if they would negotiate a payoff and do a pay for delete (PFD). 

[Anonymous]

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@Anonymous wrote:

Thank you for your input! I'll leave one with a balance below 8.9%.

Should I try CS 360 while I am paying down balances? To see if I can get anything removed that way before tackling the collections?

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CS360 and other credit "repair" companies are all scammers that charge you money for things you can do yourself. Just take a trip to the Rebuilding section of this forum and ask for help. 

[FinStar]

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@CreditInspired wrote:

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@Anonymous wrote:

Thank you for your input! I'll leave one with a balance below 8.9%.

Should I try CS 360 while I am paying down balances? To see if I can get anything removed that way before tackling the collections?

---

If you have to pay CS 360 to get collections removed, the answer is no. You can call each collection company involved and ask if they would negotiate a payoff and do a pay for delete (PFD). 

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To add, if the referenced entity engages in any sort of "credit repair" aspects, please be aware that such discussions are not permitted on the myFICO forums @Anonymous.

The link to such guidelines is referenced below:

https://ficoforums.myfico.com/t5/User-Guidelines-General/FICO-FORUMS-CREDIT-REPAIR-DISCUSSION-GUIDELINES/m-p/7261?jump=true

[Anonymous]

I apologize. I was just asking because it is free service. It won’t happen again.

[Anonymous]

I'd hold off on apping.  My incredibly conservative approach is to never app for a product until utilization is in an ideal place, the with possible lone exception being if someone is sitting on a 0% offer for a period of time.  If one has elevated (non-ideal) utilization on interest-bearing lines of credit, it's a sign of risk and IMO taking on more risk in acquiring another card isn't the financially responsible move to make.