If you see TD Bank Target, TD Bank USA Target, or TARGET/TD on your credit report, it likely means Target ran a credit check for their store-branded credit card. Here’s what that means, how it affects your credit score, and what to do if the inquiry wasn’t authorized.
What TD Bank Target Means on Your Credit Report
Target’s store credit card—known as the Target Circle Card—is issued by TD Bank. If you applied for this card, a credit check from TD Bank would show up on your credit report under one of several codes, such as:
- TD Bank Target
- TD Bank USA Target
- TARGET/TD
These codes all point to the same thing: a hard inquiry initiated when you submitted an application for the Target Circle Card.
How Applying for a Target Circle Card Affects Your Credit
When you apply for a Target Circle Card, TD Bank checks your credit report to evaluate your application. This triggers a hard inquiry, which is recorded by the credit bureaus.
A single hard inquiry may lower your credit score slightly—usually by just a few points. But if you’ve applied for several credit cards or loans in a short period, the impact can add up. Lenders may interpret multiple inquiries as a sign that you’re taking on too much new credit.
How Long a TD Bank Target Inquiry Stays on Your Credit Report
A hard inquiry from TD Bank stays on your credit report for up to two years. Whether your application is approved or denied, the inquiry will be recorded by Equifax, Experian, and TransUnion.
Although it remains visible the entire time, its impact on your credit score usually fades after the first 12 months.
What to Do if the TD Bank Target Inquiry Wasn’t Authorized
If you see a TD Bank Target inquiry and you didn’t apply for a Target credit card, take action immediately. Here’s how to respond:
- Contact TD Bank to ask for more information about the inquiry
- Dispute the entry with the credit bureaus if you confirm it was not authorized
- Monitor your credit reports for other unfamiliar activity
Even a single unauthorized inquiry can be a sign of attempted identity theft.
Can You Remove TD Bank Target From Your Credit Report?
If the inquiry was added in error or without your permission, you have the right to dispute it. Many people choose to handle this process on their own, but others prefer to work with a credit repair company.
Credit Saint is one option that helps people challenge and remove inaccurate items from their credit reports. They can assist with:
- Hard inquiries
- Late payments
- Collections
- Charge-offs
- Foreclosures
- Repossessions
- Bankruptcies
Get Help Improving Your Credit
Hard inquiries are just one piece of your overall credit profile. If you’re dealing with negative items or want to clean up your credit report, getting expert support can help. Credit Saint offers free consultations and will walk you through your options.
They even offer a 90-day money-back guarantee, giving you peace of mind while you take steps to repair your credit. To get started, visit their website and learn how they can help.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
