@tengtengvn wrote:I was declined a Target credit card with my 800+ score, long history and spotless credit reports. Their algorithm must be wrong so I went with the debit card instead.
They are definitely an odd duck... I'm nowhere near 800's for scores.
I was denied for to many inquiries with 5 in 6 months, 10 in 12 and 96 in 24. A few months later I tried again with 15 in 6 months, 20 in 12 and 98 in 24 and was instantly approved... go figure. (I've since headed to the garden, and behaving myself).
@Anonymous wrote:@chiefone4u Wassup, I just have a question and I'm still learning around here what does gardening mean ?
It is used to describe letting your credit age and not applying for new credit or new inquiries.
