Anonymous Posted June 3, 2003 Report Share Posted June 3, 2003 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.shtmlHaving 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. Link to comment Share on other sites More sharing options...
sisflomi Posted June 3, 2003 Report Share Posted June 3, 2003 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. Link to comment Share on other sites More sharing options...
morrow Posted June 3, 2003 Report Share Posted June 3, 2003 <blockquote>Originally posted by sisflomiYou 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! Link to comment Share on other sites More sharing options...
Anonymous Posted June 3, 2003 Author Report Share Posted June 3, 2003 Let me get this straight, you applied for the card and immediately got the inquiry deleted? Where's the link? Too cool. Link to comment Share on other sites More sharing options...
morrow Posted June 3, 2003 Report Share Posted June 3, 2003 <blockquote>Originally posted by mondaysblowLet 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 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! Link to comment Share on other sites More sharing options...
tarheel99 Posted June 3, 2003 Report Share Posted June 3, 2003 Why do you specifically recommend the Target card? Link to comment Share on other sites More sharing options...
morrow Posted June 3, 2003 Report Share Posted June 3, 2003 <blockquote>Originally posted by tarheel99Why 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) Link to comment Share on other sites More sharing options...
Anonymous Posted June 3, 2003 Author Report Share Posted June 3, 2003 So you got the Target Guest card? Not the Target Visa? I am guessing that the Guest card is a department store card?And that is cool that they pull just from EQ... Link to comment Share on other sites More sharing options...
edubb007 Posted June 3, 2003 Report Share Posted June 3, 2003 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! Link to comment Share on other sites More sharing options...
morrow Posted June 3, 2003 Report Share Posted June 3, 2003 <blockquote>Originally posted by SeasilverLiquidSo you got the Target Guest card? Not the Target Visa? I am guessing 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! 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! Link to comment Share on other sites More sharing options...
Anonymous Posted June 3, 2003 Author Report Share Posted June 3, 2003 <blockquote>Originally posted by morrowI started off with the Target card cause apparently after just a few months of making on time payments they will upgrade you! 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. Link to comment Share on other sites More sharing options...
morrow Posted June 3, 2003 Report Share Posted June 3, 2003 <blockquote>Originally posted by edubb007Morrow... 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! </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!! Link to comment Share on other sites More sharing options...
morrow Posted June 3, 2003 Report Share Posted June 3, 2003 <blockquote>Originally posted by SeasilverLiquidSo 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! Link to comment Share on other sites More sharing options...
caliwomen2000 Posted June 3, 2003 Report Share Posted June 3, 2003 Go M's... going to apply for target card.. Link to comment Share on other sites More sharing options...
morrow Posted June 3, 2003 Report Share Posted June 3, 2003 <blockquote>Originally posted by caliwomen2000Go M's... going to apply for target card..</blockquote>You a M's fan too cali?You go girl!! Go get that card! Link to comment Share on other sites More sharing options...
caliwomen2000 Posted June 3, 2003 Report Share Posted June 3, 2003 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????? Link to comment Share on other sites More sharing options...
caliwomen2000 Posted June 3, 2003 Report Share Posted June 3, 2003 oh... TU 682, EX 599, EQ 587 Link to comment Share on other sites More sharing options...
caliwomen2000 Posted June 3, 2003 Report Share Posted June 3, 2003 oh... TU 682, EX 599, EQ 587 m's game tonight 4pm Link to comment Share on other sites More sharing options...
fixmycredit Posted June 3, 2003 Report Share Posted June 3, 2003 get the cash back cards they are the best! Link to comment Share on other sites More sharing options...
morrow Posted June 3, 2003 Report Share Posted June 3, 2003 AWESOME CALI!!! I told you!!!! :D :D Mines only a $200 limit too, but like I said, as long as you keep a good paying history they'll bump you up quicker than you think! And yeah, M's 4pm baby!! Link to comment Share on other sites More sharing options...
marisakay Posted June 3, 2003 Report Share Posted June 3, 2003 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 Link to comment Share on other sites More sharing options...
morrow Posted June 3, 2003 Report Share Posted June 3, 2003 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. Its worth a shot! Link to comment Share on other sites More sharing options...
marisakay Posted June 3, 2003 Report Share Posted June 3, 2003 no its not on his CR's..thanks..will call em.. Link to comment Share on other sites More sharing options...
morrow Posted June 3, 2003 Report Share Posted June 3, 2003 <blockquote>Originally posted by marisakayno its not on his CR's..thanks..will call em..</blockquote>Lemme know girlie girl! :p Link to comment Share on other sites More sharing options...
edubb007 Posted June 3, 2003 Report Share Posted June 3, 2003 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!!! Link to comment Share on other sites More sharing options...
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