BK Friendly - Part II Ask and ye shall receive: BK FRIENDLY CREDITORS Compiled by NanaC 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. 1. Household - unsecured 300 - 5 mos., score about 560 ( www.householdbank.com/hb/CustomerCare?cmd_Redirect=HomePage ) 2. FCNB - unsecured - $1000 ( www.fcnb.com ) 3. Cap1 - Secured and Unsecured ( www.capitalone.com ) 4. Orchard - Secured ( www.orchardbank.com/care/CustomerCare?cmd_Redirect=HomePage ) 5. American Online Secured Visa ( www.apbank.com/021_scc.html ) 6 MOS - 1 YEAR REBUILDING CREDIT: score low 600s 1. Cap1 - unsecured gold 500 ( www.capitalone.com ) 2. Orchard - unsecured $500 ( www.orchardbank.com/care/CustomerCare?cmd_Redirect=HomePage ) 3. Target Guest Card- unsecured 200 (target.com/common/financialservices/apply_online.jhtml) 4. First Premier - $200 ( www.credit-cards-s.com/premier.asp ) 1-2 YEARS REBUILDING: score mid 600s 1. AT&T Wireless - No deposit ( http://www.attws.com ) 2. Cap1 Platinum - unsecured 5000. Yes, platinum. started w/regular card and negotiated credit line to platinum. (Wow!) ( www.capitalone.com ) 3. Cross Country Bank Visa - unsecured - $300, then $600, then $1250 over time. * ( www.crosscountrybank.com ) 4. Cross Country Bank MC - unsecured - $350 * ( www.crosscountrybank.com ) 5. Dillards - unsecured - $500 ( www.dillards.com/cca/CreditCardApplication.jsp ) 6. Circuit City â?? unsecured -$2000 ( http://www.circuitcity.com ) 7. Western Security Bank - secured ( www.westernsecuritybank.com ) 8. 1/00 Direct Merchants Bank $1001 (Semi-secured) ( www.directmerchantsbank.com ) 9. Sprint PCS - $200 Assigned Spending Limit ( www.sprint.com ) 10. Newport News/Spiegals/Eddie Bauer ( www.spiegals.com/home.asp ) 2+ Years Rebuilding: score low to mid 600's: 1. Aspire - unsecured - $500 ( www.compucredit.com/pdcts.html ) 2. Voicestream - No deposit ( www.voicestream.com ) 3. Bank One Checking Account with Debit Card after 5 months usage ( www.bankone.com ) 4. Mortgage Received (No specific name as more than one loan was found by those reporting receipt of mortgage loan.) 5. Nordstrom - suggest not applying on-line ( www.nordstrom.nordstrom.com ) 6. First N.A. Nat. Bank - 3 years (www.fnanb.com) 7. Citibank MC- will consider post-7 years ( www.citibank.com ) 8. Nextel - must be 7 years post BK, no dep. ( www.nextel.com ) 9. Exxon - 4 years ( www.exxon.com ) 10. Home Depot - 4 years ( www.homedepot.com ) ** 11. Bloomingdales - 3 years ( www.bloomingdales.com ) 12. Verizon - no deposit ( www.verizonwireless.com ) 13. Washington Mutual Visa secured card issued by Citibank N.A. South Dakota ( www.washingtonmutual.com ) 14. Mervyn's ** ( www.mervyns.com ) 15. Generations (6 year mark!) - $1000 ( www.genscu.com ) 16. Target Visa - mid 600's required ( www.target.com ) 17. Lowes - 3+ years ( www.lowes.com ) 18. Washington Mutual Mortgage - 3+ years ( www.wamuhomeloans.com ) 19. Nordstrom - 5+ years (www. Nordstrom.com) 20. Wescom Credit Union - 5+ years ( www.wescom.org ) 21. First Nationwide Mortgage - 5 years ( www.firstnationwide.com ) 22. Dell - $1500 - 5+ years ( www.dell.com ) 23. Nissan Lease - 6+ years (Please provide link if known.) 24. Phillips 66 - 7.5 years ( www.phillips66.com ) 25. Ford Credit - 5 years ( www.fordcredit.com ) 26. Diamond Shamrock - 6.5 yrs ( www.valero.com ) 27. Menard's Big Card (Conseco) - $3000 - 5+ years ( www.menards.com ) 28. Capital One Auto Finance -14 % interest, score approximately 650 - ( www.capitalone.com/capitaloneplace/fa/auto.php?autotc=2&pfid=2000bann0202 ) 29. JCB Card - CE642 Special Considerations: 1. Bank of America - will consider post-BK if you have established credit and can show unusual circimstances (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 circimstances (business loss, medical, etc.) 4. Federated (Pres. Club Visa)- 3 years post BK was able to override with explanation and good (>680) score 5. Federated (Macy's) Store Card - 2 years post-BK was able to override with explanation. Rejections (BK Unfriendly): 1. Lowe's (MB) 2. Home Depot (MB) ** 3. Walmart 4. Mervyns ** 5. Exxon/Mobile ** 6. Amex Green 7. Best Buy (Household)-Recently confirmed letter due to bankruptcy Ch 13 6.5 years 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. Mens 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** Smart Suggestions: 1) Try Credit Unions 2) Ford is BK friendly ** Seen on approved and not approved both. This list is constantly updated. Please provide new information as you receive it. Also, links are not endorsements, but rather included as a convenience to the reader. Updated on 6/10/03 _________________ ~NanaC~ My heart belongs to the Avalanche!
BK Friendly - Part II I would remove Aspire, FCNB, CAP1 secured. Add Merrick Bank-unsecured-$1000 600's. Add rejections Wells Fargo secured, Speedway/SuperAmerica
Re: BK Friendly - Part II Why would you remove them? I know several people that have them under those circumstances so curious. How long after Bk for Merrick? What was the aprox. score? Thanks for the info on rejections...
Re: BK Friendly - Part II FCNB and Aspire bit the dust they are no longer available. Aspire has been gone for almost 18 months. FCNB was shut down in March 2003. I am almost 100% sure Capital One does not offer the secured credit card anymore. I still have Cap One secured and got another limit increase lately but I am pretty sure it is no longer available. Merrick Bank unsecured $1000 limit 12 months after discharge $0 annual fee scores were at the time EQ and TU 650, EXP FACO probably 600.
Re: Re: BK Friendly - Part II Ok, on the Aspire...hmmm...dd just got an offer from them. I agree with FCNB...and will double check on Cap one....Thanks for the info on Merrick..got a URL for me?
Re: BK Friendly - Part II Also add Providian gold or Plat $1000 limit unsecured $0 annual fee. I have seen a few of these aproved the last few months between 4-12 months since BK FICO ranges 600-650. Does Cap one still offer the Kmart Mastercard $50 unsecured to start off? I've seen a couple of those around 6 months after discharge FICO between 550-650. I'll be back with more after I look at more credit reports.
Re: Re: Re: Re: BK Friendly - Part II No, she got an Aspire offer, honest..now I gotta investigate...LOL
Re: Re: Re: Re: Re: BK Friendly - Part II O.k your right, I don't even know why I questioned you. The Aspire is now again being issued under the Columbus Bank + trust, Compucredit, Ex Next Card, emerge, on and on dump your sub-prime to somebody else etc. There was a time period where it was no longer being issued, probably when they were switching again. On-line applications have been away for 18 months. Sorry about that. Is First National Bank of Marin on this list? www.fnbmarin.com
Re: Re: Re: Re: Re: Re: BK Friendly - Part II LOL...at least I'm not losing my mind completely YET...teehee.. Um, let's see, how long after and for how much?
Re: Re: Re: Re: Re: Re: Re: BK Friendly - Part II Amalgamated Bank of Chicago www.aboc.com I asked 3 different people on the phone if they deny a secured with a BK. All three said no. $50 annual fee but no other dumb charges. Decent APR for a secured card though. You have to have an application sent to you, no online app.
Re: I"ve updated the list-hope it h Hi Mirage! YUP, I still have the AMEX and I think I was the lucky one who was approved for GREEN CARD DURING my Chap 13 payback. I have had that Card exactly 4 yrs this July - and they WILl NOT upgrade to any card until the BK falls off the record. BUT, I am certain the stuff falls off this OCT, AMEX will send a preaproved offer of some type....but again, maybe not! DM
Re: I"ve updated the list-hope it h This is the best thread, Nana, ty ty ty for keeping it updated!!!!!!!!! Sassy
