Well, ya'll. I took the plunge and disputed my repo on TU..... it has been deleted. my report looks soo much better with it gone.... my score jumped to 599... i think i am ready to try to apply for target guest and maybe citi, since all my negs are paid..... I am so happy right now!!
Uniondiva, I'd hold off on applying for Target...they seem to be looking for above 620 or so from all the posts I read. I was denied and denied and denied until my score jumped to 633 and then I got the $200. Citi just declined me with a 633, no negs. L
fyi. my repo was only two years old... i know the sol is not up and i only disputed it on tu because i did not want to "wake the dead".
