Cards To Rebuild Your Credit
Post subject: Cards To Rebuild Your Credit
Guest: sisflomi
Credit Expert (100+ Posts)
Posted: Mon Nov 10, 2003 10:57 pm
I have spelled your name wrong here. Here is a list of credit that can help to rebuild your credit. It is not just for Bk or public records. Anyone with bad credit should be able to benefit from some of this. It was started by NanaC. I have enhanced and added to it over the last few weeks. It might be good to wait till your discharge is past 6 months.
BK FRIENDLY CREDITORS
Clarifications: Listings based on earliest receipt of credit. Occasionally, something may appear to be listed twice. This results from the credit being somehow different, for example, secured and unsecured, credit limits, etc.
STARTER BK CARDS: score bad
Household - Unsecured $300 - 5 mos score about 545 www.householdbank.com/hb/CustomerCare?cmd_Redirect=HomePage
Cap1 - Secured and Unsecured www.capitalone.com
Orchard - Secured - $300 www.orchardbank.com/care/CustomerCare?cmd_Redirect=HomePage
American Online - Secured Visa www.apbank.com/021_scc.html
6 MOS - 1 YEAR REBUILDING CREDIT: score low 600s
Cap1 - Unsecured gold $500 www.capitalone.com
Orchard - Unsecured $500 www.orchardbank.com/care/CustomerCare?cmd_Redirect=HomePage
Target Guest Card- Unsecured 200 Target
First Premier - $200 www.credit-cards-s.com/premier.asp
2 YEARS REBUILDING: score mid 600s
AT&T Wireless - No deposit AT&T
Cap1 Platinum - $5000. Started w/regular cc, negotiated cl to platinum www.capitalone.com
Cross Country Bank Visa - $300 then $600 then $1250 over time www.crosscountrybank.com *
Cross Country Bank MC - unsecured - $350 www.crosscountrybank.com *
Dillard’s - unsecured - $500 www.dillards.com/cca/CreditCardApplication.jsp
Circuit City – unsecured -$2000 Circuit City
Western Security Bank – secured www.westernsecuritybank.com
Direct Merchants Bank $1001 Semi-secured www.directmerchantsbank.com
Sprint PCS - $200 Assigned Spending Limit www.sprintpcs.com
Newport News/Spiegel’s/Eddie Bauer www.spiegals.com/home.asp
2+ Years Rebuilding: score low to mid 600's
Aspire - unsecured - $500 www.compucredit.com/pdcts.html
Voicestream - No deposit www.voicestream.com
Bank One Checking Account with Debit Card after 5 months usage www.bankone.com
Mortgage Received No specific name as more than one loan was found by those reporting receipt of mortgage loan
Nordstrom - suggest not applying on-line www.nordstrom.nordstrom.com
First N.A. Nat. Bank - 3 years
Citibank MC- will consider post BK -7 years www.citibank.com
Nextel - must be 7 years post BK, no dep www.nextel.com
Exxon - 4 years www.exxon.com
Home Depot - 4 years www.homedepot.com **
Bloomingdales - 3 years www.bloomingdales.com
Verizon - no deposit www.verizonwireless.com
Washington Mutual Visa secured card by Citibank N.A. South Dakota www.washingtonmutual.com
Mervyn's www.mervyns.com **
Generations 6 years Post BK - $1000 www.genscu.com
Target Visa - mid 600's required www.target.com
Lowe’s - 3+ years www.lowes.com
Washington Mutual Mortgage - 3+ years www.wamuhomeloans.com
Nordstrom - 5+ years www.nordstrom.com
Wescom Credit Union - 5+ years www.wescom.org
First Nationwide Mortgage - 5 years www.firstnationwide.com
Dell - $1500 - 5+ years www.dell.com
Nissan Lease - 6+ years
Phillips 66 - 7.5 years www.phillips66.com
Ford Credit - 5 years www.fordcredit.com
Diamond Shamrock - 6.5 yrs www.valero.com
Menard's Big Card (Conseco) - $3000 - 5+ years www.menards.com
Capital One Auto Finance -14 % int score 650 www.capitalone.com/capitaloneplace/fa/auto.php?autotc=2&pfid=2000bann0202
Other cards To Try For
1.Union Plus 620
Union Plus Approved with pub records in dispute with equifax
[b]Special Considerations
1. Bank of America - will consider post-BK if you have established credit and can show unusual circumstances (business loss, medical, etc.)
2. Citibank MC- will consider post-BK after 7 years
3. Citibank Diners Club - will consider post-BK if you have established credit and can show unusual circumstances (business loss, medical, etc.)
4. Federated(Pres.Club Visa)-3 yrs p-BK able to override w/explanation & >680
5. Federated (Macy's)- 2 years post-BK was able to override with explanation
Rejections BK or Public Record Unfriendly
1. Lowe's (MB)
2. Home Depot (MB)**
3. Wal-Mart
4. Mervyns**
5. Exxon/Mobile**
6. Amex Green
7. Best Buy (HHBK)-Recently confirmed letter due to bk Ch13 6.5 yrs
8. Citgo
9. Amex Optima Secured
10. Home Depot
11. Citibank
12. Associates: Citgo (try manual 24 ms+, 3 good lines)
13. First USA (try manual 5+ years discharge)
14. Bank of America
15. Sears
16. Fleet
17. First USA
18. Men’s Wearhouse
19. Monogram Bank = MB**
20. Amex LOC
21. Juniper
22. Chase Manhattan
23. Target Visa
24. Corvette MasterCard
25. Target with recent BK discharge within 4 months**
26. American Honda Finance Denied 645 pub record
27. JC Penny's
28. MBNA
** Seen on approved and not approved both
Smart Suggestions
1. Open a secured loan with your bank. Pay half off before 1st payment is due. Pay another half when 2nd payment is due. Pay the rest in 4 equal payments. This is an easy way to move your score up from 20-50 points in a few months.
2. Open 2nd secured loan with different bank. Do same as above.
3. Open 3rd secured loan with different bank. Do as above
4. Try Credit Unions
5. Ford is BK friendly Scores low as 579
6. Capital One secured - sent $99 received $500CL
4-5 months post discharge
1. Orchard unsecured $1000 CL
2. Providian Platinum unsecured $2000 CL
3. Target guest card $200 CL Usually approved with score over 590 and any pub records in dispute w/cras.
Links to see what scores or cra’s creditors use to approve
Card Report
Who Pulled My Credit?
Credit Boards Credit Search
If you know of any that have approved or not approved, or what your score was for each one, please email them to me and I will post them.
Different Store Cards Online
Boscovs
Dell
Dillards
Disney Card
Home Depot
Kohl's
Macy's
Office Max
Sears
Staples
Wal-Mart
Sis
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: nativechild48
Credit Expert (100+ Posts)
Post subject: Cards To Rebuild Your Credit
Posted: Tue Nov 11, 2003 12:53 am
It is a good idea for people like that were in previous post to have this; in fact one had a FICO of 611 and wanted to know what were their options. I'll bump this up and make a suggestion to see if it could become a sticky.
Post subject: Cards To Rebuild Your Credit
Posted: Tue Nov 11, 2003 8:22 am
MBNA is not friendly to post bankruptcy people as well. Credit report must be almost immaculate to get a card thru them. Says so on the online application.
Guest: broon
Post subject: Cards To Rebuild Your Credit
Posted: Sat Jun 11, 2005 2:15 pm
In Canada, there seem to be only two companies offering Secured credit cards.
Capital One Mastercard: www.capitalone.ca
Home-Trust Visa: www.home-trust.ca
Fees are higher than regular cards. Capital one only has a $200 credit limit vs. $10,000 at Home-trust.
Guest: sisflomi
Credit Expert (100+ Posts)
Posted: Mon Nov 10, 2003 10:57 pm
I have spelled your name wrong here. Here is a list of credit that can help to rebuild your credit. It is not just for Bk or public records. Anyone with bad credit should be able to benefit from some of this. It was started by NanaC. I have enhanced and added to it over the last few weeks. It might be good to wait till your discharge is past 6 months.
BK FRIENDLY CREDITORS
Clarifications: Listings based on earliest receipt of credit. Occasionally, something may appear to be listed twice. This results from the credit being somehow different, for example, secured and unsecured, credit limits, etc.
STARTER BK CARDS: score bad
Household - Unsecured $300 - 5 mos score about 545 www.householdbank.com/hb/CustomerCare?cmd_Redirect=HomePage
Cap1 - Secured and Unsecured www.capitalone.com
Orchard - Secured - $300 www.orchardbank.com/care/CustomerCare?cmd_Redirect=HomePage
American Online - Secured Visa www.apbank.com/021_scc.html
6 MOS - 1 YEAR REBUILDING CREDIT: score low 600s
Cap1 - Unsecured gold $500 www.capitalone.com
Orchard - Unsecured $500 www.orchardbank.com/care/CustomerCare?cmd_Redirect=HomePage
Target Guest Card- Unsecured 200 Target
First Premier - $200 www.credit-cards-s.com/premier.asp
2 YEARS REBUILDING: score mid 600s
AT&T Wireless - No deposit AT&T
Cap1 Platinum - $5000. Started w/regular cc, negotiated cl to platinum www.capitalone.com
Cross Country Bank Visa - $300 then $600 then $1250 over time www.crosscountrybank.com *
Cross Country Bank MC - unsecured - $350 www.crosscountrybank.com *
Dillard’s - unsecured - $500 www.dillards.com/cca/CreditCardApplication.jsp
Circuit City – unsecured -$2000 Circuit City
Western Security Bank – secured www.westernsecuritybank.com
Direct Merchants Bank $1001 Semi-secured www.directmerchantsbank.com
Sprint PCS - $200 Assigned Spending Limit www.sprintpcs.com
Newport News/Spiegel’s/Eddie Bauer www.spiegals.com/home.asp
2+ Years Rebuilding: score low to mid 600's
Aspire - unsecured - $500 www.compucredit.com/pdcts.html
Voicestream - No deposit www.voicestream.com
Bank One Checking Account with Debit Card after 5 months usage www.bankone.com
Mortgage Received No specific name as more than one loan was found by those reporting receipt of mortgage loan
Nordstrom - suggest not applying on-line www.nordstrom.nordstrom.com
First N.A. Nat. Bank - 3 years
Citibank MC- will consider post BK -7 years www.citibank.com
Nextel - must be 7 years post BK, no dep www.nextel.com
Exxon - 4 years www.exxon.com
Home Depot - 4 years www.homedepot.com **
Bloomingdales - 3 years www.bloomingdales.com
Verizon - no deposit www.verizonwireless.com
Washington Mutual Visa secured card by Citibank N.A. South Dakota www.washingtonmutual.com
Mervyn's www.mervyns.com **
Generations 6 years Post BK - $1000 www.genscu.com
Target Visa - mid 600's required www.target.com
Lowe’s - 3+ years www.lowes.com
Washington Mutual Mortgage - 3+ years www.wamuhomeloans.com
Nordstrom - 5+ years www.nordstrom.com
Wescom Credit Union - 5+ years www.wescom.org
First Nationwide Mortgage - 5 years www.firstnationwide.com
Dell - $1500 - 5+ years www.dell.com
Nissan Lease - 6+ years
Phillips 66 - 7.5 years www.phillips66.com
Ford Credit - 5 years www.fordcredit.com
Diamond Shamrock - 6.5 yrs www.valero.com
Menard's Big Card (Conseco) - $3000 - 5+ years www.menards.com
Capital One Auto Finance -14 % int score 650 www.capitalone.com/capitaloneplace/fa/auto.php?autotc=2&pfid=2000bann0202
Other cards To Try For
1.Union Plus 620
Union Plus Approved with pub records in dispute with equifax
[b]Special Considerations
1. Bank of America - will consider post-BK if you have established credit and can show unusual circumstances (business loss, medical, etc.)
2. Citibank MC- will consider post-BK after 7 years
3. Citibank Diners Club - will consider post-BK if you have established credit and can show unusual circumstances (business loss, medical, etc.)
4. Federated(Pres.Club Visa)-3 yrs p-BK able to override w/explanation & >680
5. Federated (Macy's)- 2 years post-BK was able to override with explanation
Rejections BK or Public Record Unfriendly
1. Lowe's (MB)
2. Home Depot (MB)**
3. Wal-Mart
4. Mervyns**
5. Exxon/Mobile**
6. Amex Green
7. Best Buy (HHBK)-Recently confirmed letter due to bk Ch13 6.5 yrs
8. Citgo
9. Amex Optima Secured
10. Home Depot
11. Citibank
12. Associates: Citgo (try manual 24 ms+, 3 good lines)
13. First USA (try manual 5+ years discharge)
14. Bank of America
15. Sears
16. Fleet
17. First USA
18. Men’s Wearhouse
19. Monogram Bank = MB**
20. Amex LOC
21. Juniper
22. Chase Manhattan
23. Target Visa
24. Corvette MasterCard
25. Target with recent BK discharge within 4 months**
26. American Honda Finance Denied 645 pub record
27. JC Penny's
28. MBNA
** Seen on approved and not approved both
Smart Suggestions
1. Open a secured loan with your bank. Pay half off before 1st payment is due. Pay another half when 2nd payment is due. Pay the rest in 4 equal payments. This is an easy way to move your score up from 20-50 points in a few months.
2. Open 2nd secured loan with different bank. Do same as above.
3. Open 3rd secured loan with different bank. Do as above
4. Try Credit Unions
5. Ford is BK friendly Scores low as 579
6. Capital One secured - sent $99 received $500CL
4-5 months post discharge
1. Orchard unsecured $1000 CL
2. Providian Platinum unsecured $2000 CL
3. Target guest card $200 CL Usually approved with score over 590 and any pub records in dispute w/cras.
Links to see what scores or cra’s creditors use to approve
Card Report
Who Pulled My Credit?
Credit Boards Credit Search
If you know of any that have approved or not approved, or what your score was for each one, please email them to me and I will post them.
Different Store Cards Online
Boscovs
Dell
Dillards
Disney Card
Home Depot
Kohl's
Macy's
Office Max
Sears
Staples
Wal-Mart
Sis
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: nativechild48
Credit Expert (100+ Posts)
Post subject: Cards To Rebuild Your Credit
Posted: Tue Nov 11, 2003 12:53 am
It is a good idea for people like that were in previous post to have this; in fact one had a FICO of 611 and wanted to know what were their options. I'll bump this up and make a suggestion to see if it could become a sticky.
Post subject: Cards To Rebuild Your Credit
Posted: Tue Nov 11, 2003 8:22 am
MBNA is not friendly to post bankruptcy people as well. Credit report must be almost immaculate to get a card thru them. Says so on the online application.
Guest: broon
Post subject: Cards To Rebuild Your Credit
Posted: Sat Jun 11, 2005 2:15 pm
In Canada, there seem to be only two companies offering Secured credit cards.
Capital One Mastercard: www.capitalone.ca
Home-Trust Visa: www.home-trust.ca
Fees are higher than regular cards. Capital one only has a $200 credit limit vs. $10,000 at Home-trust.
posted by CardRatings.com at 3:21 PM
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