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Target card pulled 7 pts

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Established Member

Target card pulled 7 pts

I know my credit Score is not high but 7 points from target?? Holy smokes makes me not want to apply for a secured card. Maybe we should have a post for how much each company pulls in general.
9 REPLIES
Super Contributor

Re: Target card pulled 7 pts

What do you mean by "how much each credit card pulls."

 

Did you lose 7 points from an inquiry, or from the new account reporting and the inquiry? 

 

7 points isn't really a whole lot, you'll get it all back once the card gets a few months under it. 



Moderator Emeritus

Re: Target card pulled 7 pts

Are you comparing FICO scores? Or is one or both a non-FICO?

Established Member

Re: Target card pulled 7 pts

I have never tracked my fico score before. So this is new to me and my spouse. But when I applied for a target card the inquiry dropped my score by 7 , and I think I was not approved as well, I will receive a letter in the mail
Super Contributor

Re: Target card pulled 7 pts

Almost all inquiries will lower your scores a little bit, so that is something you'll get used to eventually. 

 

Scores will drop from new accounts for 2 reasons..

 

1) the inquiry will take you down a few points

and 

2) If you are approved the new account will lower your aaoa (Average age of accounts) 



Established Member

Re: Target card pulled 7 pts

I seriously think I was declined the receipt said they need further processing and I will recieve a letter in 10 days.
Super Contributor

Re: Target card pulled 7 pts

I think target backs the card themselves, so I don't know of any backdoor number to call or anything. 

 

Good Luck, it's not that great of a card anyways Smiley Tongue 



Established Member

Re: Target card pulled 7 pts

I read reviews after applying and most say no cli, so I'm glad Smiley Wink.
I did get approved for a capital one secured card so at least I have hope! I do
Super Contributor

Re: Target card pulled 7 pts

Congrats. Cap1 denied me for their secured card about a year ago. I think that their Secured card comes with a free credit monitoring service, you should get a packet about it when your card arrives. 



Moderator Emeritus

Re: Target card pulled 7 pts

Garden your Cap1.  What's your CR look like?  Are there some things you can do to improve it?   Work on that, wait 6 months and try again if you want it.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.