I am just a little upset. After all of the work I have been doing trying to get my credit reports cleaned up, I hit a roadblock when trying to apply for a department store card.
From what I hear, Target is one of the easier cards to get - the store card. MyFICO tells me that my biggest negative factor is that I need a revolving line of credit so I apply for the Target card as well as a couple of others. I get a denial from Target today (the first one I applied for) stating that the biggest determining factor in the denial was that they could not verify my address or telephone number. I look up their phone number on the internet and call them to see what I need to do to be reconsidered for their card. They pulled TU when I applied. They said that the address and telephone number did not match up with the one I provided.
The info I provided was exactly the same as that I recently had (or thought I had) gotten corrected on TU - in fact, got an email confirming the changes had been made. They had not been made and my street address is correct but they messed up and put "A T #" instead of apt then the apt #. This one mistake caused me to be denied for a very easy to get card. I'm upset beyond believe.
The lady at Target National Bank said that I should go to the store in about a month with my driver's license and apply again. Why? So I can get another ding on my credit report? She said there was nothing that she could do because the address on my credit report didn't match up exactly with the one I provided. I'm at a complete loss. Does anyone know what I should do next? I really don't want another ding since my scores are fairly high and I don't want to bring them down with another inquiry. Should I go up the ladder at TNB? Any advice would be greatly appreciated.
