I have pretty much all of the subprime credit cards....(Orchard Bank/Cap1 - secured/Premier Bank/Cross Country Bank/Merrick Bank)...have had them for the last year, and now I am wondering...what would be the best "Prime" card to apply for with the best likelihood of receiving? Also...does anyone know which CRA Target goes thru when you apply for the Guest card?
need more info... what are your scores? any derogs? number of inquires? are you blacklisted anywhere that you know of (old charge-offs,etc)?
I don't know my scores, just recently got a copy of my credit report from TransUnion and Equifax. I have 2 collection accounts on Equifax...which are both listed as paid...back in 2002. On TransUnion I have 1 collection account listed as paid. Other than that, I don't have any derogatory info on those two credit reports. I don't have a credit report from Experian.... So, should I order a credit report from Experian and look into it, before going any further? I know that you can order all three for a nominal fee right? Actually, I was going to go and apply for a Target Guest Card, because I see (from reading threads) that that is NOT a hard card to get, basically because they give you such a low starting credit limit.... As far as I know...the I'm not blacklisted anywhere.... Help!!
oh.....I forgot....1 inquiry that I initiated....the other's are from the current credit cards that I have...they pull a inquiry (it seems) like once a month....basically Household does this. This is from Equifax. On TransUnion I have like 3 inquiries for this year.
Getting the Target should be easy if you have other accounts. Apply for the Visa and if you get turned down it will automatically consider the guest card.
