Target Card - What gives?

Discussion in 'Credit Talk' started by CR, Apr 10, 2001.

  1. CR

    CR Well-Known Member

    Hi all,

    For months I have been applying to Target for the card but was denied each time. I read Saar's post about his applying and getting denied and using the denial to access his credit reports for free. He mentioned that he got approved. I decided to give it a try and got approved! What gives? I mean I'm thrilled to pieces but why now after so many denials? Since I have been about 18-24 months into the rebuilding process, I think it might be a good idea to keep this one. What do you guys think? Is it true it does wonders for your FICO score? Here is my history:

    FCNB $525.00 LIMIT (partially secured; opened 02/00)
    ARIA $500.00 LIMIT (opened 11/00, no increases yet)
    CAP1 $400.00 LIMIT (limit was $200.00 until 2 weeks
    ago when I called asking for a limit increase; approved $200.00 increase)
    CAP1 $200.00 LIMIT (oldest tradeline opened 06/99 they
    reopened after account was charged off. No increases available with this type of account. I plan to close 06/01.)
    CAP 1 $200.00 LIMIT (opened 12/00; Kmart card. I plan
    to close).
    CHEVRON $300.00 LIMIT (opened 10/00. Credit builder account.)
    AT&T CELL NO LIMIT (opened 07/00. Account began life as
    a $200.00 service limit account. After 6 months of excellent
    payments, they dropped the service limit)
    CAR LOAN $13000.00 (opened 04/00, horrible interest
    rate. I'd like to refinance)

    All of these accounts appear on my credit report as:

    Now for the bad news:

    1. Tons of inquiries (beginning today, I am swearing off
    the stuff!!)
    2. Cross Country Charge off 06/98 (I know, I know. Big
    3. Capital One Paid chargeoff 07/99.

    4. Some small piddly collections, mostly doctor bills between 1997 and 1999 before I got some health insurance.
    I'm working on paying this in exchange for deletion.

    Thanks all,
  2. sam

    sam Well-Known Member

    dunno maybe they have a new policy for folks. I got approved too my fico is 565.

    $300 limit.
  3. sam

    sam Well-Known Member

    btw target now pulls equifax in georgia.
  4. Erica

    Erica Well-Known Member

    Hey guys, I got denied with FICO 583, and I WORK for Target!!! What is the secret?

    I applied with 2 applications:
    1-Employee application=denied
    2-Customer application=denied.

    What gives???


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