In my denial letter they offered my equifax score. Would this be a fako or FICO. Im leaning more towards FICO. Anyone else know?
Starting Score: 500's
Sorry about your denial. It would be your EQ FICO
its fine. i should have been more patient. also denied a capital one journey card. However, im starting to think they looked/used my inquiry from Helzberg diamonds (capital one) from January. I just got my Wells Fargo secured card with a 1k limit this month, and my Kay Jewelers Card in January. I also have one hospital collection to remove from experian and transunion through the HIPPA process. I give it six to eight months of gardening and going through the process of removing that one medical collection, which is the only bad mark on my credit reports. Then, i will try again.
Sounds like you have a sold plan!
Just apply for the Target Debit card. You get the same 5% cash back. I also have the Target debit card. Good luck on your journey to establish credit!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! 
Last App: 4/5/13 Gardening until July 2014