Synchrony/Lowes Denial - What score do they use?

I recently purchased a home and was looking to do some remodel, FICO 8 scores are Eq: 669 Ex: 703, Tu: 676, I figured I had a good shot at a lowes card and could probably recon for a nice limit and get all my stuff. Well they denied me and they sent me a letter and my stated score was 437 WAY lower than what MyFICO gives. What score do they use? Any chance for a recon?

martinbowling wrote:
I recently purchased a home and was looking to do some remodel, FICO 8 scores are Eq: 669 Ex: 703, Tu: 676, I figured I had a good shot at a lowes card and could probably recon for a nice limit and get all my stuff. Well they denied me and they sent me a letter and my stated score was 437 WAY lower than what MyFICO gives. What score do they use? Any chance for a recon?can't recon sync.They use TU but sometimes when they deny just to be A-holes in my book they send a funky score like you got instead of the actual TU Fico.

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Synchrony/Lowes Denial - What score do they use?

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