ingramjuan wrote:Which card is the best and offer the most. Lowes or home depot? Also which credit reporting agency does Lowes and home depot pulls from. I live close to both stores.
"Best" is very subjective, depends on what your specific needs are.
When I was looking to buy appliances for a kitchen remodel a few years back, Lowes carried Samsung products, which I wanted; Home Depot did not. So Lowes got my business. They also had a package deal going at the time and in addition, I could choose either an additional 5% off the price of the package, or go for 0% financing for 18 months. That was a very attractive reason to shop Lowes, in addition to their having the appliances I wanted.
Conversely, Home Depot carries Tuff Shed brand outbuildings, which I wanted to add to my property. Lowes didn't carry that brand. HD also offered 0% financing for 24 months on purchases greater that $499 at the time, AND in addition, they sent me a promo flyer that if I made a purchase over $999 they would increase my credit limit.
So "best" worked out for each of them in different circumstances.
Lowes pulls predominantly Transunion and that's what they pulled for me. Home Depot seems to pull equally from Experian and Equifax; for me it was Experian IIRC.