Credit Tips: Credit Cards That are Easy to Get Approved For

Posted On: July 1, 2006

Author: needaloan
Posted: Tue Aug 09, 2005 7:03 pm
Post subject: Re-establishing Credit: Please post results

You guys recently posted a topic about approved credit applications, but I mostly noticed a trend in people that had moderately good credit with no previous adverse credit history, and was wondering for those out there who are re-establishing their credit, which credit cards have you been approved for?

Me…..

Metabank 660 visa
Approved: yes (but will most likely approve anyone)
CR: TU-640
credit limit: $ 300

Secured Bank of America visa
Approved: yes (but its a secured card and will approve anyone)
CR: ??
Credit limit: 1,000

Target Guest Card
Approved: Still waiting
CR:
Credit limit:

Chevron Gas Card
Approved: Denied
CR: Equifax-651, Experian-610
Credit limit:

Nissan Auto Loan/Financing
Approved: Denied
CR: Equifax-651, Experian-610

History: I had one charge off( two years old) and 3 collections about one year old and with no other previous credit history.

Author: tb33
Posted: Wed Aug 10, 2005 9:35 am
Post subject:

CapitalOne Platinum Mastercard
Approved: yes
Credit Score: 632
credit limit: $ 200 (Since 2001)

Providian Platinum Mastercard
Approved: yes
Credit Score: 632
credit limit: $ 1,000

Direct Merchant’s Bank
Approved: yes
Credit Score:
credit limit: $ 1,500

CapitalOne Platinum Mastercard
Approved: yes
Credit Score: 632
credit limit: $ 700
CLI Approved: yes

Last edited by tb33 on Sat Oct 01, 2005 1:42 pm; edited 1 time in total

Author: herky
Posted: Thu Aug 11, 2005 9:28 am
Post subject:

4 tax liens (one event from when I was living overseas on some bad international capital gains advice). All from 2000-2001, paid in full 2003. Perfect credit since then.

Chase Secured 9/04
Approved: Yes
FICO - Today 688 (MyFico.com), then - not sure
Limit - $3,500 (secured)

Citibank Advantage Master 9/04
Approved - No (Had a Citi Card closed on me in 1996 b/c of college tom foolery)
FICO - Today 688, then, not sure
Limit - N/A

Captial One Visa 9/04
Approved - No
FICO - Today 688, then, not sure
Limit - N/A

Direct Merchants Bank Master 2/05
Approved: Yes
FICO - Today 688 (MyFico.com), then - not sure
Limit - $5,500

Amazon/Chase Plat Visa 2/05
Approved: Yes
FICO - Today 688 (MyFico.com), then - not sure
Limit - $7,500

BAC Plat Visa 4/05
Approved: Yes
FICO - Today 688 (MyFico.com), then - not sure
Limit - $2,500

Household Plat Mastercard 6/05
Approved: Yes
FICO - Today 688 (MyFico.com), then - not sure
Limit - $5,000

Author: CreditRebuilder
Posted: Sat Aug 13, 2005 9:41 pm
Post subject: Credit Cards That are Easy to Get Approved For

Target Guest Card
Approved: Yes
Credit Score: Eq 590 Ex 575 Tr 580
Credit Limit: $200

Orchard Bank Mastercard
Approved: Yes
Credit Score: Eq 590 Ex 575 Tr 580
Credit Limit: $300

Macy’s store card
Approved: Yes
Credit Score: Eq 500 Ex 490 Tr 495
Credit Limit: $100 initially

Author: Big Tom
Posted: Wed Aug 17, 2005 11:34 am
Post subject: Credit Cards That are Easy to Get Approved For
JCPenny
Approved: yes
CR: EQ-631
credit limit: $ 500

Home Depot
Approved: Yes
CR: EQ-631
Credit Limit: $750.00

Author: sunnybabies
Posted: Wed Aug 24, 2005 10:44 pm
Post subject: re-establishing credit

Hello,
I am new to this site, but I noticed how many people have questions about their credit. I am a mortgage loan officer and I hate to turn down a customer! So instead of turning them down, I tell them what they need to do to improve their credit score to qualify them for no money down on a house. Each year I am required to take an 8 hour class to keep my license, and last year my 8 hour class was all on credit and repairing credit. [Edited by Board Monitor]

First and foremost…did you know that your credit rating is only based on your past 6 months activity? So….if you have a collection that you owe on and hasn’t reported in the last 6 months…DON’T PAY IT OFF! Why? Because if you pay it off, it will make it active again and then your rating will be affected by it because it was a collection. Next, have you had a bankruptcy in the past 7 years? Are you aware that the creditors in the bk do not report this to the credit agency? What you need to do after a bk, is make 3 copies of your bankruptcy papers..only schedule d-g, 3 copies of your discharge paper, and a letter stating you were recently denied credit and would like to have your credit updated, on this letter you must state your name, address, ssn, bk case number, and say to please contact me when the credit has been completed. Then mail these out to all 3 credit bureas…Equifax, Experian, and Transunion. I will reply with the addresses after this post. Certify mailing is the best, cuz then they have to sign for it..and by law they have up to 30 days to update! However regular mailing is okay too! You will receive a letter back from all 3 credit bureaus advising you of the update or any additional information they may need. This works wonders and I have seen scores go up 70-100 pts everytime. Also after a bk, it is best to get a unsecured credit card, kind of like a savings card…u won’t be able to charge on it, but this will show re-established credit and boost your scores tremendously. This method also works if you have anything you recently paid off…credit cards, judgements, liens, collections. [Edited by Board Monitor]