SOMEONE PICK ME UP OFF THE FLOOR!!!! Recap: I just got through paying a chargeoff from Target. Sent in the last payment on 1/17/01. Just now I remembered that "Sam" said that they are now pulling Equifax so I decided to apply. I called first to speak to a rep to see if there was a chance of re-opening my account and she said that I had to re-apply...so I did. I used my Am/Ex Gold as a credit reference <snicker> and I didn't get instant approval. I got application needs further processing and gave me # so that I could check the status. After kicking myself for even applying, I decided...what the hell...and checked the status: MP$40 Congratulations! Your application has been approved by Retailers National Bank. Please keep a record of your account number, credit line and promotional code for your 10% savings on a target.com purchase. This information will not be redisplayed online. Your account # is XXXXXXXXXX. Your credit line is $200.00. Your promotional code is xxxxxxxx. Your promotional code expires on 05/12/2002. You can use your new account to charge purchases at target.com immediately! Your new Target Guest Card will arrive in the mail within 2 weeks for shopping in-store. I can't believe this! I am just blown away. I know it's only $200 but STILL.....this is great! Man, Target must be STRUGGLING for customers!
Congrats. I got the card in the mail in a week. I suspect that your credit rating is rising quite a bit with all the Junum deletions etc.
Thanks Jim... I'm not sure what the deal is. 19 deletions w/ Junum but I still have a few paid negatives that I will work on getting off my self. But for now I'm taking a break. The credit stuff is wearing me out. I'll resume in a couple of months.
Re: Thanks Jim... I understand completely. I may wait to dispute again in November. I say "may" because I change my mind day to day as something new comes up.
Re: Thanks Jim... btw, my score was 605 as well when they approved me for $300. I Disputed most of my negatives, which artifically inflated my fico about 50 points. Congrats! my gf loves this store. Now i get stuck with the bill every time we go
MP, congrats!! Sounds like things are getting better and better Keep in mind that just plain old "passage of time" raises your score too - taking time off won't hurt. breeze
I'm resisting the temptation to apply. Until last couple of months all of my accounts were at least a year old, but I recently added Walmart, NextCard and Shell. The Shell doesn't report, but the other two do. I may go after Amex if I get brave but otherwise I think I'm done applying for credit for this year. I'm glad you were approved though! Funny it was so soon after you paid the charge-off.
Aren't all the Target cards going to be converted to Visa cards or Mastercards soon? I remember reading this somewhere not too long ago, but I haven't heard any more about it lately.
