I applied online for a Target Guest card and was approved with scores of following: Equifax (559), Experian (555) and TU (530). 200 cl. I dont know if I just got lucky, but I am very happy. I have 1 collection(paid) 2 chargeoffs(unpaid) and 2 accounts with lates. I have 7 other accounts all good with no lates. So, if you are wondering if you should apply with a low score, i say go for it. There's a good chance you will get approved. If you have any questions, let me know.
Thanks. With the same score, I was denied for a 1st premier unsecured 1 month ago. This is a small, although nice victory with the credit i have.
