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... read full review »