Is this weird? Originally posted by NanaC BK FRIENDLY CREDITORS Compiled by NanaC Updated info in bold 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. PFB = Planet FeedBack 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) 7. First National Bank Of Marin - $300 unsecured - low 600's (www.fnbmarin.com) - appears to be by mai offer only 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) 30. Union Plus - initial rejection, then approved on PFB reconsideration (www.unionplus.com)** 31. Corvette Mastercard - 7 years post (was not in dispute when pulled)- score 678 with 4 CA's in dispute when pulled - $1500 - (www.household.com/corp/hipf_credit_card_select.jsp)** 32. J.C. Penney - 4 years, 7 months post bk7 (www.jcpenney.com) 33. BOFA - Alaskan Airlines Plat - 5 yrs, 3 months post BK7 approved on reconsideration (www.bofa.com) Special Considerations-please consider these with a cautious mindset as these are not based on actual approvals but information gathered through CSR's, etc.: 1. Bank of America - will consider post-BK if you have established credit and can show unusual circimstances (business loss, medical, etc.). Customer service rep reports Secured considered 5-years post BK, Unsecured 7-years post BK. 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 ** 33. J.C. Penney ** 34. Kohl's 35. USBank 36. Netbank 37. Discover Smart Suggestions: 1) Try Credit Unions 2) Ford is BK friendly (updated 5/2/04)
I think I missed this board... I posted these in the thread on that other board, but I guess I forgot to mention it here. I am almost 6 years post chapter 13. Got a Circuit City Plus card with $3k limit. Got three Household owned cards: GMCard/$1k, GM Extended Family/$4k, Corvette/$3k. (All in late March.) They both pulled Equifax and my Privacy Guard FACO was about 688. As talked about elsewhere, the three Household cards only resulted in one credit inquiry. I also got a pre-approved Providian offer and was approved for $3k in early March. They pulled Experian and my PG FACO was only 662. The nice thing about the Household cards is that they had 0% offers for at least six months, and you can transfer directly to your bank account.
I think I missed this board... Hey, congrats, Jambe..was your bk in dispute when you applied for household, etc?
Re: Is this weird? Excellent news for you!!! Hooray! Did you include CapOne in your BK? That could make a difference for someone of us who did.
Re: Re: Is this weird? I included Cap1 in my Ch7. One year after filing I go an offer for an unsecured platinum card, got a $500 CL.
Re: I think I missed this board... So if this post is over why do we still get people out there going what kinda card can i get with a score of this. Or better yet what kinda card can I get after a bk...this post is long from being over I still refer back to it.
Who said it was over? I have used this list as my guide and only went wrong once. That was with the Target VISA, but I think it was just my low score coupled with the BK, not the BK alone. (I have since decided that I don't want the Target VISA anyway, no balance transfers, so I won't be trying again even with an improved score.)
update on Citi, AMEX, and...Chase? Well, I know I've shouldn't have done it, but I was really interested in finding out how they would deal with it... I've fixed up my report real nice and pretty and decided to apply with the above 3 credit banks and see how they would deal with my Ch-7 BK at about 6 years. Citi - rejection, c/s supervisor explained that they can't consider BKs until after 7 years. (on-line application, pulled EX in CA) AMEX - ditto (applied for several of their cc products on-line, same result, only one EXP CR pulled) Chase - I don't know yet if my application was approved or rejected... Chase pulled TU, and my BK doesn't show up on TU. So, we shall see what we shall see, my little chickadees... After talking with c/s and supervisors, Citi and AMEX said they do consider applications with BKs at the 7 year mark, but it is no guarantee (just giving themselves an out if needed), and their story changes slightly from rep to rep, but I did get supervisors at AMEX and Citi to confirm this magical 7-year mark, so hopefully, it's not just all lip-service. However, your CRs have to be really excellent, they warned, so I would advise any BKers out there not to apply until 7 years are up because they were really adamant about this point. Something to shoot for, I guess... I only have about a year to go, but I wonder if anybody has actually made it to the promised land, or are these just stories that BKers tells their kids? Anyhow, I did have to make numerous phone calls and speak with a number of c/s reps before I was able to obtain and be satisfied with this info. (Surprisingly, it was a lot of hard work, so I wonder if what I was told is really company policy that is put into practice, like BofA who does approve accts for BKers, or are these just lies told to placate and give hope to the weary masses). As my credit scores gradually improve, I badly want to go out and swim in the ocean, instead of just standing at the shoreline, trying to avoid the crashing waves... Looks like a couple of waves clobbered me today, but I'm still here, waiting... and dodging... Mr.X
update on Citi, AMEX, and...Chase? Chase is brutal.....I must have called them about 5 different times, each time a different rep. They will not admit that they take anyone with a BK period. Why not after 7 years I asked? Like a robot, all they could say is we have to consider it if it is on your reports. Whatever, applied just to see what would happen, and sure enough.............denied! Not even a PFB would get them to budge. I just gave up on them. I'll never apply again. Not to mention all DW's trouble with Chase. She is very afraid what will happen once her united mileage plus gets converted to Chase
Re: Re: I think I missed this board... Well, things have changed ALOT since this thread started and people naturally want up to date information like we are providing here. I encourage those who have information to add to this thread to post it. It is a valuable reference point for those with a BK.
Re: Re: I think I missed this board... I filed BK7 in Oct 2002 Discharged in Jan 2003 March 2003 - 2 mos post BK Household Bank MC - $300 limit now $600, June 2003 - 6 mos post BK Capital One VI - $300 limit upped to $750 in Sept 03 and then to $2000 in Dec 03. Nov 2003 - Raymour and Flanigan Furniture - approved for $1200 living room set. Interest free until Jan 05, only $300 left to pay. I use the capital one card at about $500 per mo and pay off all but $50 or so each month. Household card I spend +/- $100 mo and pay in full. I am hoping for another increase from Cap 1 ... we will see. Oh yeah and I got a cell phone through AT&T wireless in Sept 03 with no deposit required.
Re: Re: I think I missed this board... I had talked to one of the reps in the bk dep(1800-727-3690) at JC Penny & was told I could have applied 3 months after dischared. I did not file them in my bk but they have it listed in bk on ex only.
Re: Re: I think I missed this board... SO I REFRESHED 20 TIMES. lolol 30,000 HITS CONGRATS TO THE QUEEN OF HITS `
Re: Re: I think I missed this board... Thanks for the info, FishDude.. Butch, you crack me up.... THANKS!
update on Citi, AMEX, and...Chase? Originally posted by NanaC BK FRIENDLY CREDITORS Compiled by NanaC Updated info in bold 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. PFB = Planet FeedBack 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) 7. First National Bank Of Marin - $300 unsecured - low 600's (www.fnbmarin.com) - appears to be by mai offer only 8. Raymour and Flanigan Furniture (please provide url if available) 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) 30. Union Plus - initial rejection, then approved on PFB reconsideration (www.unionplus.com)** 31. Corvette Mastercard - 7 years post (was not in dispute when pulled)- score 678 with 4 CA's in dispute when pulled - $1500 - (www.household.com/corp/hipf_credit_card_select.jsp)** 32. J.C. Penney - 4 years, 7 months post bk7 (www.jcpenney.com) 33. BOFA - Alaskan Airlines Plat - 5 yrs, 3 months post BK7 approved on reconsideration (www.bofa.com) Special Considerations-please consider these with a cautious mindset as these are not based on actual approvals but information gathered through CSR's, etc.: 1. Bank of America - will consider post-BK if you have established credit and can show unusual circimstances (business loss, medical, etc.). Customer service rep reports Secured considered 5-years post BK, Unsecured 7-years post BK. 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 ** 33. J.C. Penney ** 34. Kohl's 35. USBank 36. Netbank 37. Discover Smart Suggestions: 1) Try Credit Unions 2) Ford is BK friendly (updated 5/6/04)
update on Citi, AMEX, and...Chase? do you think I can apply for mid stuff based on my 640 fico? (if i select creditors that only pull that bureau?
update on Citi, AMEX, and...Chase? It would depend what is on your credit report...what kind of things does EX show?
