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Target vs. Orchard

Discussion in 'Credit Talk' started by broncsboi, Mar 24, 2003.

  1. Mar 24, 2003 #1
    broncsboi

    broncsboi Well-Known Member

    Low 600 scores and I want to get both of these cards. Already have a Cap1 with $2250.

    Considering that the hard inq will lower score some, which is the better route to take: Apply online for Target first then Orchard or vise versa?
     
  3. Mar 24, 2003 #2
    smontoya5

    smontoya5 Well-Known Member

    Target will pull Equifax and Orchard will pull Experian-so they won't see each others inquiries.


    How many inquiries do you have on each report in the past 6 months?
     
  4. Mar 24, 2003 #3
    sam

    sam Well-Known Member

    hit submit at the exact same second ;)
     
  5. Mar 27, 2003 #4
    broncsboi

    broncsboi Well-Known Member

    They BOTH pulled Experian.

    Was approved for the Orchard Classic (whatever 'classic' means) and got the "two week notice deal from Target on the Guest Card). Didn't even attempt to apply for the Target Visa.
     
  6. Mar 27, 2003 #5
    lucas222

    lucas222 Well-Known Member

    could u tell us about your experian report, ie score and any derogs..
    LUCAS
     
  7. Mar 27, 2003 #6
    broncsboi

    broncsboi Well-Known Member

    Experian score 606

    Derog: Discharged BK 10/2001.
     
  8. Mar 27, 2003 #7
    smontoya5

    smontoya5 Well-Known Member

    From my experience, Target doesn't like BKs. I was denied for a discharged Ch 7 from 1996.
     

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