Target REDcard denied, however...

Reese2107 · ‎04-20-2013

In my denial letter they offered my equifax score. Would this be a fako or FICO. Im leaning more towards FICO. Anyone else know?

Starting Score: 500's
Current Score: EQ: 664 TU: 673 EX: 700
Goal Score: 720

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Cards: Citi Forward (Students): $1.5k, Wells Fargo Secured: $2k, Kay Jewelers: $300, BoA Cash Rewards (Students): $700, Buckle: $250

09Lexie · ‎04-20-2013

Sorry about your denial. It would be your EQ FICO

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Reese2107 · ‎04-20-2013

its fine. i should have been more patient. also denied a capital one journey card. However, im starting to think they looked/used my inquiry from Helzberg diamonds (capital one) from January. I just got my Wells Fargo secured card with a 1k limit this month, and my Kay Jewelers Card in January. I also have one hospital collection to remove from experian and transunion through the HIPPA process. I give it six to eight months of gardening and going through the process of removing that one medical collection, which is the only bad mark on my credit reports. Then, i will try again.

Starting Score: 500's
Current Score: EQ: 664 TU: 673 EX: 700
Goal Score: 720

Take the myFICO Fitness Challenge

Cards: Citi Forward (Students): $1.5k, Wells Fargo Secured: $2k, Kay Jewelers: $300, BoA Cash Rewards (Students): $700, Buckle: $250

09Lexie · ‎04-20-2013

Sounds like you have a sold plan!

Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads

Anonymous · ‎04-20-2013

Just apply for the Target Debit card. You get the same 5% cash back. I also have the Target debit card. Good luck on your journey to establish credit!