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Lowes card approval odds?

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Regular Contributor

Re: Lowes card approval odds?

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


Message 11 of 20
Regular Contributor

Re: Lowes card approval odds?

A couple are after the BK.


Message 12 of 20
Regular Contributor

Re: Lowes card approval odds?

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?


Message 13 of 20
Community Leader
Super Contributor

Re: Lowes card approval odds?


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

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.

GOALS: Garden til APR 2020 and 800 Club


DEC 2019: EX 811, TU 797, EQ 810
SEP 2019: EX 791, TU 797, EQ 804
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $22.2K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 14 of 20
Regular Contributor

Re: Lowes card approval odds?

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?



Message 15 of 20
Community Leader
Super Contributor

Re: Lowes card approval odds?


@rndbroom 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). 

GOALS: Garden til APR 2020 and 800 Club


DEC 2019: EX 811, TU 797, EQ 810
SEP 2019: EX 791, TU 797, EQ 804
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $22.2K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 16 of 20
Super Contributor

Re: Lowes card approval odds?


@rndbroom 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?


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. 



01/2019:
12/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 17 of 20
Moderator

Re: Lowes card approval odds?


@CreditInspired wrote:

@rndbroom 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). 


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 @rndbroom.

 

The link to such guidelines is referenced below:

https://ficoforums.myfico.com/t5/User-Guidelines-General/FICO-FORUMS-CREDIT-REPAIR-DISCUSSION-GUIDEL...

Message 18 of 20
Regular Contributor

Re: Lowes card approval odds?

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


Message 19 of 20
Super Contributor

Re: Lowes card approval odds?

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.

Message 20 of 20
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