11-15-2008 08:19 PM
how easy is the target card to get, are they post BK friendly? my wife applied with a good fico and they denied.
Which one? The RedCard or the Visa?
The RedCard is extremely easy. I'd even say it's just about the easiest credit card of any kind to be approved for. The Visa is a bit more difficult, but not really that tough in the grand scheme of things.
11-15-2008 08:24 PM
Do they pull EQ I may have to add them to my extensive collection. I have a post BK. GEMB is not BK friendly... I have been successful in overturning a JCP denial... Never again after that.
They seem to pull EQ most often, but sometimes pull TU instead.
11-15-2008 08:26 PM
11-15-2008 08:28 PM
Do you know if you dispute something is it taken out of the scoring mix?
Some accounts are, but not all, and even the accounts that are removed from scoring in certain respects are not removed from scoring in all respects.
Since this is an entirely new topic, please start a new thread in the Understanding FICO Scoring forum if you'd like to discuss this question in more detail.
11-22-2008 02:24 PM
Today I was buying a Wii and a few other things for xmas gifts and pulled out my BOA CC to pay and the guy says "you can save 10% by opening up an account." I quickly said no thanks, but then it hit me that I could save around 50.00, so I applied.
Instant approval for $ 3K, but I just noticed it was a Target Visa Card. Don't know who they pulled yet. Anyone got a CLI on activation on this card? Just thinking as I am grateful for the CL as it is, even though it is my lowest line next to Hooters, which is so nominal that I hardly ever use it other than for something small every now and then.
11-23-2008 07:01 AM
Denied again at Target ... The lady at the counter Said I would be notified ... Got letter Friday This is what it said , Pulled TU...
Said too Many Inq's
Not enough Credit Experience (((((9 years ))))
So no Target Shopping this Christmas...
Guess I will pay cash at Walmart...
11-14-2009 11:15 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.