Michelle, do you recall the process when you got another Target card after the charge off?
I recently applied for a Target store card and after not seeing the inq on my reports after a few day, I called to speak with a csr. Apparently, I had a charge off back in 99 and csr said they don't run credit if you have had a card with them in the past.
Shocked because I actually don't remember having a card with them before, let alone a charge off - this could just be selective memory at its best!! - I tried to ask her if it was paid, who it was sent to for collections, but because of the date, there is no history details. I became a little irritated that I am being judged on that but no info could be given on the account, but the csr was very polite and helpful and pointed out that I just needed to wait (I keep hearing that word a lot lately) for their response letter.
I just wondered what your experience was with Target after a charge off. TIA