Re: Need to update the list ... Ok..when did this happen? I just got them this summer..it is by preapproval now only? Oh, and thanks...the updates help so much!
Re: Need to update the list ... Yep. I noticed this about a month ago and then heard that it is only preapproved mailings now. I went ahead and tried to access http://www.directmerchantsbank.com and could not find any cards to apply for.
Re: Need to update the list ... Thank you, Brad! I think I"ll note "Pre-approved mailings only" so if someone gets a pre-approval, they'll have a reference....I really appreciate the update and your effort on researching this. thank you!
Re: Need to update the list ... Originally posted by NanaC 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/CustomerCa...direct=HomePage ) 2. Cap1 - Secured and Unsecured ( www.capitalone.com ) 3. Orchard - Secured ( www.orchardbank.com/care/CustomerCa...direct=HomePage ) 4. 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/CustomerCa...direct=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 ) 5. Citifinancial Mortgage - 6 mths post - 9% ( www.citifinancial.com ) 6. Providian Platinum (www.providan.com) 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. Direct Merchants Bank $1001 (Semi-secured) - pre-approved mailings only ( www.directmerchantsbank.com ) 9. Sprint PCS - $200 Assigned Spending Limit ( www.sprint.com ) 10. Newport News/Spiegals/Eddie Bauer ( www.spiegals.com/home.asp ) 11. Merrick - $1000, about 650 FICO (www.applymerrick.com) 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/...id=2000bann0202 ) 29. JCB Card - CE642 (www.jcbusa.com) 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): ** Seen on both lists 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** 26. UnionPlus 27. GM Card 28. Conoco 29. Newport News/Spiegals/Eddie Bauer ** 30. Wells Fargo Secured 31. WFNNB Smart Suggestions: 1) Try Credit Unions 2) Ford is BK friendly (updated 11/27/03)
Re: Re: Need to update the list ... When you say ford is BK friendly, how long after ch7 BK discharge do you have to wait?
Re: Re: Re: Need to update the list ... Well, the problem with that entry is that the info was provided by several but none seemed to have specifics of actual approval...there were enough people telling me that it seemed important to add the info but I never got the details. Would love to have them to add it properly!! : Anyone?
Re: Re: Re: Need to update the list ... My discharge was in April 2000 and I was able to lease in August or September with very little down (basically tax and title). The lease was at Ford's best terms at the time. Since then I've bought the car.
Re: Re: Re: Need to update the list ... I know cell phone companies are not exactly what you are looking for but Qwest, only in certain states does take in BK people with no deposit. I had personal success with it. They did not even pull a hard inquiry. They run your personal history with them, home phone in certain areas.
Re: Re: Re: Need to update the list Mazda(ford) approved me 1 day out of chapter 13, mazda tribute$ 18,250 loan 11% $2000 down and pmts of 398 60 months. they pulled all 3 CRAs and my low score was 555 and high score was 602 FICO. I do not use FACO scores. it took 6 days of calls to the dealer but it all finally came together, they even allowed me to post date a check for 30 days for half of the down pmt. Nana, What other information do you need?
Re: Re: Need to update the list ... Nana, I had 2 Dismissed BK-13 showing as well as a BK-13 filed entry on all 3 I also had a letter from the court saying that I had completed the BK and discharge was pending. The report was the first time I had looked at it 3 years and it was a mess. I should have done my homework but did not know about this great group. I also had 3 paid tax leins on each report but everything was about 3 years old. they had a lot of trouble getting me approved they tried ameriquest, BofA,Bank one and a few others( can you say a ton of hards) but Mazda finally came through.
Re: Re: Re: Need to update the list ... Originally posted by NanaC 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/CustomerCa...direct=HomePage ) 2. Cap1 - Secured and Unsecured ( www.capitalone.com ) 3. Orchard - Secured ( www.orchardbank.com/care/CustomerCa...direct=HomePage ) 4. American Online Secured Visa ( www.apbank.com/021_scc.html ) 5. Mazda (Ford) - 1 day post BK13 - auto loan 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/CustomerCa...direct=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 ) 5. Citifinancial Mortgage - 6 mths post - 9% ( www.citifinancial.com ) 6. Providian Platinum (www.providan.com) 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. Direct Merchants Bank $1001 (Semi-secured) - pre-approved mailings only ( www.directmerchantsbank.com ) 9. Sprint PCS - $200 Assigned Spending Limit ( www.sprint.com ) 10. Newport News/Spiegals/Eddie Bauer ( www.spiegals.com/home.asp ) 11. Merrick - $1000, about 650 FICO (www.applymerrick.com) 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/...id=2000bann0202 ) 29. JCB Card - CE642 (www.jcbusa.com) 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): ** Seen on both lists 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** 26. UnionPlus 27. GM Card 28. Conoco 29. Newport News/Spiegals/Eddie Bauer ** 30. Wells Fargo Secured 31. WFNNB 32. Circuit City ** Smart Suggestions: 1) Try Credit Unions 2) Ford is BK friendly (updated 11/30/03)
Re: Re: Re: Re: Need to update the list ... HI BUTCH!!! Thanks..aw, gee, credit goes to everyone sharing their their info!
Re: Re: Re: Re: Need to update the list ... Originally posted by NanaC 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/CustomerCa...direct=HomePage ) 2. Cap1 - Secured and Unsecured ( www.capitalone.com ) 3. Orchard - Secured ( www.orchardbank.com/care/CustomerCa...direct=HomePage ) 4. American Online Secured Visa ( www.apbank.com/021_scc.html ) 5. Mazda (Ford) - 1 day post BK13 - auto loan 6. Kay Jewelers - $2000 - 1 year post BK, score about 540 (www.kayjewelers.com) 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/CustomerCa...direct=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 ) 5. Citifinancial Mortgage - 6 mths post - 9% ( www.citifinancial.com ) 6. Providian Platinum (www.providan.com) 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. Direct Merchants Bank $1001 (Semi-secured) - pre-approved mailings only ( www.directmerchantsbank.com ) 9. Sprint PCS - $200 Assigned Spending Limit ( www.sprint.com ) 10. Newport News/Spiegals/Eddie Bauer ( www.spiegals.com/home.asp ) 11. Merrick - $1000, about 650 FICO (www.applymerrick.com) 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/...id=2000bann0202 ) 29. JCB Card - CE642 (www.jcbusa.com) 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): ** Seen on both lists 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** 26. UnionPlus 27. GM Card 28. Conoco 29. Newport News/Spiegals/Eddie Bauer ** 30. Wells Fargo Secured 31. WFNNB 32. Circuit City ** Smart Suggestions: 1) Try Credit Unions 2) Ford is BK friendly (updated 12/01/03)
Updates... Ya'll, my DH is having surgery tomorrow..so please keep posting your new info but please don't think I"m ignoring you if I don't reply immediately...will be back ASAP. And, again, Thanks!
Updates... First National Bank of Marin $300 CL unsecured Platinum (yes, Platinum!) MC...score in the low 600's 6 mo after BK One hard on EXP. $69 enrollment fee and then $5.95 a month service charge. www.fnbmarin.com
Updates... NanaC, please update the note on BofA to reflect what I was told by a CSR supervisor - BofA wants 7 years from BK and even their secured card is 5 years after BK. I had "special circumstances", had 3 TLs since my BK w/14% utilization on $16k CL, 683 FICO and they truly could care less.
