I got my Target denial letter today. #1 Reason - too many recent inquiries. #2 to few bank revolving or department store accounts. I recently purchased a home, so I have inquiries for all the new services (phone, electric, water, directv) plus I was shopped around for the mortgage(at the beginning of construction and again at the end of construction) My EQ score is 628. Is there any department store card I can get???
Here is what my reports say: EQ 10 inquiries (since 10/02) EX - 5 inquiries (since 10/02) TU - 5 inquiries (since 10/02)
Ask for reconsideration. I think they should overlook the ones for your utilities-everyone needs electricity, running water, etc, lol. :O)
I guess they pulled eq 10 is just too many even 5 is to many for a lot of credit companies you can try providian if tou must have a card they should pull ex. sorry for the bad news just hang in there and good luck let me know what happens.
if your credit is good just lots of inquries try Citi AA, they dont seem to care. I got two and i have like 10 or 16 inquiries on my EX
I agree with this. I'd call and ask for someone to review your application and report. Mortgage shopping and getting utilities hooked up wrecks your score on inq. But if a real person sees that the inqs aren't for other cc but for the above, they may override the decision.
