All I have as a positive tradeline is a $200 secured card from Cap 1......Should I try for something else? If so what? Or should I wait until my credit reports are *Sparkling* ME
You need to add some credit so it ages while you are cleaning up. Try something like Orchard Bank or maybe even another secured card. Secured cards don't show as secured on reports so it doesn't matter. Below is a list I found of secured cards. Program Name A.P.R. Annual Fee DPST/INT Telephone Number Amalgamated MasterCard x15.75% $50.00 $500/4.00% 800-365-6464 Amalgamated Gold MasterCard x12.25% $50.00 $5000/4.00% 800-365-6464 American Pacific Bank x17.40% $35.00 $400/2.50% 800-610-1201 Associates National Bank 19.50% $25.00 $300/4.50% 800-884-1832 Bank One Arizona 19.99% $35.00 $250/4.00% 800-544-4110 California Commerce Bank 17.00% $35.00 $300/2.25% 800-222-1234 Capital One x19.80% $29.00 $99/Varies 800-445-4413 Chase (USA) 17.90% $35.00 $300/2.50% 800-482-4273 Citicorp 17.15% $20.00 $300/4.07% 800-743-1332 European American Bank x18.50% $20.00 $500/Varies 800-941-8340 First Consumers Natl Bank 18.90% $39.00 $100/2.13% 800-876-3262 First Natl Bank Brookings x19.80% $35.00 $250/Varies 800-658-3660 First Omni Bank x19.80% $18.00 $500/Varies 800-441-8026 First Premier Bank x16.90% $45.00* $1000/2.50% 800-987-5521 First Premier Bank x18.90% $45.00* $400/None 800-987-5521 FirstMerit Corporation *14.65% $10.00 $300/Varies 888-554-4362 Key Bank and Trust x19.40% $35.00 $350/Varies 800-840-5577 Marine Midland x19.80% $35.00 $300/Varies 800-962-7463 Orchard Bank 17.90% $45.00 $200/Varies 800-488-2720 Orchard Bank 18.90% $35.00 $200/2.00% 800-488-2720 United National Bank x17.50% $30.00* $300/Varies 800-937-4600
