here is one for the experts,i had a target card about 4-5 years ago that went to a collection agency and is still on by credit report through the ca, i disputeed taget themselves about 3 years ago and they were removed from all three credit reports. my score for equifax at the moment is 624 only because i have accounts in dispute its usually about 535. is it safe to apply for a targets card? or would i be risking them still having my bad account information and risk getting it put back on my report?
generally speaking, they could use your new information, phone #, job to sue you. It's a BAD idea to apply for someone you've bailed on before, unless of course its paid in full. Most creditors don't forget, but i think target isn't one of those.
