Hello All,
I am in the process of repairing my credit. I am currently at EQ: 600, TU 623, EX 638 REAL FICO scores as of 2/14/08. I have no open credit cards and I really need to get one/some to show good paying history in efforts to boost my score.
I applied for a Target store card on Februar 23 (in-store) and got my denial letter in the mail yesterday. 
Reason for denial is: "We cannot approve your application for a new account due to the unsatisfactory performance on the previous account with Target National Bank. Give us a call at ... if you'd like more info."
I did have a Target card in college (Opened in Fall 2000) that I ended up paying for in collections in 2005.
Am I just a lost cause with Target or should I GW?
Any advice would be helpful.