Hey guys, haven't posted in a few. I got a great surprise today {to me it's great} if you have followed my previous posts you will know I have been rebuilding for around 1 year. I started at a score of 423 with 72 collections and no hard pulls. 0 trade lines and no installments. I had 1 student loan and child support reporting as late. Today I have a score of 610 TransUnion 590 EQ 609 ex, with 0 collections, 6 credit cards, 1 car loan, and 100 percent payment history, 7 month credit history, 32 inquiries. Only 3 in the last 4 months. I have applied for the target red card about 3 times within the last year and always got denied. Today I applied again and got instant approval with a limit of 250. The weird thing is, I did not get a hard pull from any of my reports. They did not pull my reports. But I'm living proof that target is not inquiry sensitive lol. I'm applying for khols next unless you guys have a better option I should try for. And thank you for all the advise as it has cleaned my score up tremendously this last year.
