I had a target credit card for about a year and a half.in addition to that card, I did have others and I wanted to consolidate. Well I got in touch with an agency that basically receives a flat payment every month and then they pay the creditors direct. Well I signed up. At that point my target card was not added to the program. A few months later I added it. Well about 2 years later I decided to trade in my vehicle for a new one. They had showed that I had one problem w/my credit report. The target card.
They showed that I had been late for 14 months straight at 30 days each time. Well the process that the consolidation agency follows is that they prepare a proposal and submit it to the creditor for approval of the set amount of payment and terms. Well they did agree. But the "policy" that target followed was that if the account was added when it was past due then they continued to report to the credit bureau that it was late instead of reporting the account in collection or credit agency like all my others accounts did. I called and spoke to a rep. And they said that if I had paid my account in full they would correct the reporting and put it as if nothing ever happened.
Well I did pay it off and I still can't make a purchase. Do not sign up for a Target credit card!!!
L.O.
San antonio, Texas
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