Will I be approved for Target store card?

[Anonymous]

I only pulled my experian score here, and it was 640. I have two recent pulls, one of those definitely on equifax. I have 4 pulls for a mortgage about 8 months ago. I have an excellent history for the past 2-3 years, and some baddies that won't fall off until next year or the year after. Do I have a good chance at approval? I don't want to app unless I know for sure that I stand a decent chance.

Thanks!

[Red1Blue]

If you are approved probably for $200 limit. I would not waste an inq for that card.

[Anonymous]

Does that depend on income, or only on score?

[Red1Blue]

I have no idea. If you search this board you will find lot of people complaining about their $200 limit cards that will never grow.

[Anonymous]

I guess mine was different. I received the card, having scores about like yours. It was for $200, but that was ok, cause thats better than nothing . Less than 1 year later, that card grew to 1500. So I am well pleased with it. I had 2 collections about 5 years old at the time. I am not saying you would be approved, I cant answer that, but for me I am glad I bit the bullet.

[MarineVietVet]

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@Anonymous wrote:

I only pulled my experian score here, and it was 640. I have two recent pulls, one of those definitely on equifax. I have 4 pulls for a mortgage about 8 months ago. I have an excellent history for the past 2-3 years, and some baddies that won't fall off until next year or the year after. Do I have a good chance at approval? I don't want to app unless I know for sure that I stand a decent chance.

Thanks!

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Do you mean Equifax?

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[tsquad131]

yeah lol no one can buy their experian ficos anymore or see them unless its a lender pull or if you join psecu which is a credit union based in pennsylvania that gives their members their experian fico scores

[Anonymous]

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@Anonymous wrote:

Does that depend on income, or only on score?

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I applied at the checkout.   They do ask income.   I had several chargeoffs that were 3 years old at the time.  I got $1000.   I am very pleased with Target..

[Anonymous]

Yes, sorry, I meant Equifax. DOes anyone know which bureau Target uses?

[mahendra82]

Why do you want a target card? If you just want to add a store card in your mixture of TL, then you're better off applying for a GEMB account.