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Discussion in 'Credit Talk' started by texastrini, Aug 10, 2001.
I need to add a retail trade line.
Fico around 615-630.
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Just reading posts from the board Target, Radio Shack, and Macy's are all pretty easy to get. Personally, I got a May's Department Store card(Hechts, Lord & Taylor, Strawbridge) with only eight months of credit history and two major credit cards (back in 97). Good luck.
target should approve you instantly online with that score. I was about 610 when i got mine.
Sam: Did you have any derog"s
My sister never had a cc in her life and all three of her reports were 100% blank.
She was approved instantly for a Capital One Kmart card which is also a Mastercard with a $300 limit ($300 for Kmart purchases/$200 for regular Mastercard purchases)
My Equifax has only one item on it: an old collection account that's nearing 7 years old, Experian has 2 inactives since the early '90s accounts and the derog above; and my TU has that same derog plus a 5 year old 30 day late on a car.
I got approved instantly for Kmart Mastercard and Target ($300) about two weeks ago.
I applied for Target with a Beaon of 650 with a bk-13.
Approved for a $300 cl
The other Sam
Well, with my last Equifax score of 573, I just got approved online (200 CL). I guess it's not all bad.
Do not go Home Depot with a BK!
Does anyone know which report Target pulls?
Will any of these retailers give me a card without a current credit card and a few old overdue bills? Or should I wait until I get better established?
Just approved for the following:
Taget ==$200 cl
Kmart MC==$200 instant CL for online shopping
($4 p/m membership fee and CL info will come in the mail)
Is the membership fee standard?
(I did not want to waste the inquiry)
Did you have any current derogs or overdues when you got approved?
you know that bluelight.com just fired all their folks and is shutting down the online site??
Who does Kmart m/c pull for credit??
Quite a few actually (not current, but unpaid past due collections) and one unpaid judgement. I'm not sure which report they pulled (won't find out until I get my disputes back), but I believe they pulled Equifax. My credit is FAR from stellar, which I guess is one reason I'm quite surprised I got approved. But, as long as they report, now I've got another positive trade-line to my benefit (in 6-12 months at least).