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Department Store Card?


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Here's an interesting question. I currently have three credit cards that have all been maxed out and then paid down to zero as part of my credit rebuilding plan. According to the following link:

http://www.creditinfocenter.com/creditreports/scoring/scoringinfluences.shtml

Having a department store card and a major credit card together will get you another 11 points on your FICO score. It also notes that the number of revolving credit lines wont hurt you as long as it's between 3 & 5. My question is, should I take the hit on the inquiry to get my total available credit up and have a department store card to boot? Tough call. Sure could use some advise. Thanks.

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<blockquote>Originally posted by sisflomi

You could go for the Target Guest card. Then you call and get the inq off of your eq report. Look around for this, it was done by Morrow. She got the card and the inq is gone gone gone.

</blockquote>

Yes mam! I got my EQ update in the mail yesterday confirming that it was no longer!

So cool! :cool:

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<blockquote>Originally posted by mondaysblow

Let me get this straight, you applied for the card and immediately got the inquiry deleted? Where's the link? Too cool.

</blockquote>

I applied for the card on a Sunday, got approved :D

Inq showed up on Monday :( I immediately called and disputed the inq (before the new account could be reported on my CR)

It was GONE within a week! So now it looks like I got the card without ever applying!

DAMN IM GOOD! :p

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<blockquote>Originally posted by tarheel99

Why do you specifically recommend the Target card?

</blockquote>

TARGETS THE SHIZ-NIK!! (and because they only pull your EQ report, so if you get denied you can just get the inq removed quick like a bunny)

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Morrow... Due you think I can get approved w/ a 650 or so and a public record. I will have a couple C/O's faling off soon and need one dept. store card. Teaget is right around the corner from me. I would like to get one cause of the new crib and you're right! It's the Shee-nit! :D

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<blockquote>Originally posted by SeasilverLiquid

So you got the Target Guest card? Not the Target Visa? I am guessing :confused: that the Guest card is a department store card?

And that is cool that they pull just from EQ...

</blockquote>

I started off with the Target card cause apparently after just a few months of making on time payments they will upgrade you! :D

Im not so sure I would call Target a *dept store* more like just a fancy Wal-Mart :)

Yeah it is cool that they only pull from EQ, Im lovin EQ at the moment!

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<blockquote>Originally posted by morrow

I started off with the Target card cause apparently after just a few months of making on time payments they will upgrade you! :D

Im not so sure I would call Target a *dept store* more like just a fancy Wal-Mart :)

Yeah it is cool that they only pull from EQ, Im lovin EQ at the moment!

</blockquote>

So you got your Target card upgraded? That's sweet...I may just have to go for that route. I too am looking for a department store card that I know pulls from EQ since that is my best score.

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<blockquote>Originally posted by edubb007

Morrow... Due you think I can get approved w/ a 650 or so and a public record. I will have a couple C/O's faling off soon and need one dept. store card. Teaget is right around the corner from me. I would like to get one cause of the new crib and you're right! It's the Shee-nit! :D

</blockquote>

EDUBB...I INSIST THAT YOU LOG ONTO TARGET.COM AND APPLY!!! You will know right away and even if your denied you can call up EQ and get the inq deleted!! DO IT!!

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<blockquote>Originally posted by SeasilverLiquid

So you got your Target card upgraded? That's sweet...I may just have to go for that route. I too am looking for a department store card that I know pulls from EQ since that is my best score.

</blockquote>

I havent gotten an upgrade just yet! But from what Ive read, people have gotten the upgrade after just 6 months of on time payments!

Go APPLY DUDE!! BTW-how bout them M's and Pinero's shut-out the other night! Sweet!

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just got approved for target guest card...$200 limit, not much..maybe i should have tried for the target visa.is it too late? But afterall i am rebuilding my credit and i have one crap card, just got approved for orchard bank and now have my dept store card..good mix, Right?????

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question....Dh had a Target card like 4 years ago and we NEVER used it..we may not have even activated it.....it is not on any of his reports....should we try and reapply on the website..u think it will alert us if he already has one..u know? thanks

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Is it listed on you DH CR and if so is it opened or closed? (I know you said you didnt activate it)

You might want to check, I had a JC Penney account that I havent used in years and just recently found out its still open (havent used it in years) I just called and requested a new card.

I dont think that if you were to apply that you would get a funky message like that though. :p Its worth a shot!

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Morrow... I have a lot of disputes through EQ right now. Like 7. I know one more was deleted this round thanks to my follow up call today. Do you think I will get rejected for not enough credith istory??? I have a 683 w. EQ but it's a FAKO? Give an opinion. I know I can remove the Inq. I learned it from you! Lol! 7 removed already. No official Hard inq's on EQ! I gotta give you props!!! :D

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