Will Target re-issue if you have a past delinquet account that has fallen off your credit report?

[Anonymous]

I lost my job about 10 years ago and my entire crdit tanked including a charge-off on a Target card. I have one charge-off from an Old Capital One (due to fall off any day)> Everything else is clear on my report and my scores are back up to 650 witha couple new accoutns liek Capital One and HSBC. Would Target reapprove me een with a charge-off with them 10 years previous? Thanks for any information.

[valley_man0505]

I doubt it.  I had a Target CO that was deleted from my reports after I disputed it with the CRA's (the balance they were reporting was not correct).  I finally got my credit scores up high enough a few months back to try for the card again, but I was declined.  They said their reason for denial was that I already had a card with them in the past that was CO'd.

However, your case may be different since yours fell off due to CRTP and is, therefore, a lot further in your past than mine was when I tried re-applying.  Your credit also sounds a lot better than mine was when I re-applied.  I think they denied me without ever even pulling my credit, though, because they saw my old account in their internal records before they even did the pull.  I did not even bother trying to recon, so maybe that would have changed things if I had a chance to explain to someone WHY my old account got delinquent in the first place.

Message Edited by valley_man0505 on 01-08-2009 08:13 AM

[Anonymous]

Target backlist's big time I tried an I was denied due to a account that went bad with them almost 10 years ago. So you can try if you want but it will most likely be a denial.

Message Edited by mjbfan79 on 01-08-2009 10:17 AM

[Mark_in_Pasadena]

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@Anonymous wrote:
I lost my job about 10 years ago and my entire crdit tanked including a charge-off on a Target card. I have one charge-off from an Old Capital One (due to fall off any day)> Everything else is clear on my report and my scores are back up to 650 witha couple new accoutns liek Capital One and HSBC. Would Target reapprove me een with a charge-off with them 10 years previous? Thanks for any information.

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It falls off of your public credit report by law after 7-7.5 years, but not from their private report.  They still have an unpaid account for you on their system.  Call them and offer to pay them back all the money you owe them in exchange for them re-opening the old account.  If they say no, then no harm done.  If they agree, it'll give you a great boost to your Average Age of Accounts.

[Anonymous]

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@Mark_in_Pasadena wrote:

It falls off of your public credit report by law after 7-7.5 years, but not from their private report.  They still have an unpaid account for you on their system.  Call them and offer to pay them back all the money you owe them in exchange for them re-opening the old account.  If they say no, then no harm done.  If they agree, it'll give you a great boost to your Average Age of Accounts.

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Well i filed Target in my Chapter 13 an it was paid an the account is not showing on my credit report but i'm still in there system an they told me flat out no.