topic Re: Target credit card in Rebuilding Your Credit

Target credit card

Madyun1982 — Wed, 10 Jul 2024 15:07:49 GMT

I have a credit card with Target. I have been with them since 2017. I had autopay set up for this account.. However the account that was used was closed due to fraud and I forgot about Target when I switched my other accounts over to autopayfor the new checking. I missed the payment which was the balance on the card of 21.16. And now have a late payment! It's my fault , no excuses..Just wondering if I should try a GW letter to target to have the late payment removed. I've never missed a payment before. My fico has dropped 69 points.. I'm so overwhelmed with everything in my life right now. That I'm trying my best to not allow this to consume me! Any advice will greatly help and be appreciated

Thanks in advance

Re: Target credit card

MissLiz — Wed, 10 Jul 2024 14:57:41 GMT

It is absolutely worth a shot! With your long history and this being an isolated incident, I would say try it.

Re: Target credit card

SouthJamaica — Wed, 10 Jul 2024 14:53:15 GMT

Yes you should definitely send a goodwill letter.

On a lighter note, you should watch out for your iPhone auto correct, you had "autopsy" instead of "autopay" and in one spot had "pissed" instead of "missed".

Re: Target credit card

Madyun1982 — Wed, 10 Jul 2024 14:56:15 GMT

😂😂 I just seen it.. Thank you I fixed it.. This is why you shouldn't text and cry and the same time..

Re: Target credit card

Madyun1982 — Wed, 10 Jul 2024 14:57:22 GMT

Thank you.. I'm going to write the letter today and send it off..I pray they have mercy on me.. lol

Re: Target credit card

SouthJamaica — Wed, 10 Jul 2024 15:24:11 GMT

@Madyun1982 wrote:
Thank you.. I'm going to write the letter today and send it off..I pray they have mercy on me.. lol

We're all pulling for you. If they don't "have mercy" in the first instance, then send a second letter to someone higher up in management. Also, if TD Bank doesn't do right by you, you should probably copy Target's management on any subsequent letters.

Re: Target credit card

Madyun1982 — Wed, 10 Jul 2024 15:27:50 GMT

Thank you.

Is their an email address to send GW letters for Target? Or should it be done snail mail for best results? I have a mailing address of Target Credit services PO Box 673 Minneapolis MN 55440

Re: Target credit card

chhull00 — Wed, 10 Jul 2024 17:23:39 GMT

@SouthJamaica wrote:
Yes you should definitely send a goodwill letter.

On a lighter note, you should watch out for your iPhone auto correct, you had "autopsy" instead of "autopay" and in one spot had "pissed" instead of "missed".

honest mistake you should try and by the way South Jamaica i thought i had alot of cc to keep up with wow! nice work

Re: Target credit card

SouthJamaica — Wed, 10 Jul 2024 20:46:23 GMT

@Madyun1982 wrote:
Thank you.
Is their an email address to send GW letters for Target? Or should it be done snail mail for best results? I have a mailing address of Target Credit services PO Box 673 Minneapolis MN 55440

I think it will get more attention if sent by snail mail (or US Priority Mail).

Re: Target credit card

NoMoreE46 — Thu, 11 Jul 2024 19:07:26 GMT

Yes, preferable to mail via Certified mail.

Re: Target credit card

ptatohed — Fri, 12 Jul 2024 06:43:12 GMT

Have you tried calling? Why not try a call before the letter?

Re: Target credit card

JoeRockhead — Fri, 12 Jul 2024 09:02:44 GMT

@ptatohed wrote:
Have you tried calling? Why not try a call before the letter?

Best suggestion yet.... there nothing wrong with a GW letter but, this could likely be easily remedied with a phone call. If you've otherwise had an excellent payment history with them, many lenders will give the "courtesy" of removing the late. If you don't succeed with the first person you talk to, try someone else. If there's no luv via phone call, THEN I'd try GW letter route.

Re: Target credit card

Madyun1982 — Fri, 12 Jul 2024 12:28:30 GMT

I called, and I spoke with 2 different representatives both said it was nothing they could do about it.. That I needed to contact the credit bureaus.. I don't have any other numbers for Target credit outside of the regular customer service line..

Re: Target credit card

JoeRockhead — Fri, 12 Jul 2024 12:40:01 GMT

The credit bureaus will do nothing except open a dispute, the reporting will be verified and the late will remain. If you were unable to escalate your calls up to a supervisor with TD Bank... then a GW letter campaign will be your only shot, but I wouldn't give up.

Re: Target credit card

Madyun1982 — Fri, 12 Jul 2024 12:47:00 GMT

Thank you..Should I contact TD bank directly? Or call the target redcard number again and ask for a supervisor? When I called I just spoke with a customer service agent

Re: Target credit card

JoeRockhead — Fri, 12 Jul 2024 12:59:59 GMT

@Madyun1982 wrote:
Thank you..Should I contact TD bank directly? Or call the target redcard number again and ask for a supervisor? When I called I just spoke with a customer service agent

TD Bank issues the card and is likely the one doing the reporting so, I would focus my attention towards them... if you don't make any progress after politely explaining the snafu and reminding them of your otherwise excellent history with them with 1st level CSR, I would most definitely try to escalate it to a supervisor.

Re: Target credit card

Madyun1982 — Fri, 12 Jul 2024 13:04:45 GMT

Ok.. I just called them again, and I got a supervisor. She stated that she can do a dispute for me, and it'll be done internally they'll review my account and see if I had any other missed payments etc.. Then they'll determine if they will remove it from my credit profile. She said someone would either call me, or I'll get a letter in the mail.. I'm not sure if this is the normal process, but anything beats a flat out no! So I'm praying they remove it! Thank you so much for your help

Re: Target credit card

JoeRockhead — Fri, 12 Jul 2024 13:20:00 GMT

@Madyun1982 wrote:
Ok.. I just called them again, and I got a supervisor. She stated that she can do a dispute for me, and it'll be done internally they'll review my account and see if I had any other missed payments etc.. Then they'll determine if they will remove it from my credit profile. She said someone would either call me, or I'll get a letter in the mail.. I'm not sure if this is the normal process, but anything beats a flat out no! So I'm praying they remove it! Thank you so much for your help

It might be their normal process, but like you said it's better than an outright denial. I hope it goes your way, and that you'll come back and let us know the results.

Re: Target credit card

ptatohed — Fri, 12 Jul 2024 15:22:06 GMT

I think you'll ultimately prevail. Worse case, if they don't remove the late on their own, I think you can simply dispute it with the Bureaus. Target would have to defend it when the Bureaus reach out to them after your dispute. If you had a flawless payment history before and since the late, I bet they won't bother to defend it and it will get removed.

Re: Target credit card

Madyun1982 — Fri, 12 Jul 2024 15:58:20 GMT

I'm praying this is the case.. Lol I've worked so hard to get my scores where it was. And I'm just so upset that this has happened! I'm also just noticing that they dropped my credit limit from 2200 to 200😫 But I'm not really concerned about that. As I rarely use the card. I used it because I was sent a notice to use it or lose it. That's why I put the small purchase on it. Kinda wishing I just let it close! I really appreciate you'll for the advice!