Re: I"ve updated the list-hope it helps You gonna' keep it, or tell them what they can do with their 1/2 A TOY CARD???
Re: I"ve updated the list-hope it helps It is better then my 1/10th toy card I have from Fleet. That card has an APR of 28% and a credit line of $100. I use it to bill my cellphone to every month. It is also my oldest tradeline and the only bankcard that survived my BK from 1997.
Re: I"ve updated the list-hope it helps Nana C, For Nextel, I am not sure if it is a "must" for post 7 years. That was the age of my BK at the time of my application. For Home Depot, it is listed three times. Is there a difference in type of accounts? You have it listed under 2+ years rebuilding and as #2 & #10 under No BK. Does anyone know if MBNA accept BKs listed on an applicant's credit profile? Thanks KK
Re: I"ve updated the list-hope it helps I applied in 2001 with a bk-13 on file from 1996. Denied due to bk on file. Spoke to the credit officer and was told that MBNA might reconsider 7 years after a bk. Also two hard inquiries on my cr as an added bonus. Best regards, Mirage
Re: I"ve updated the list-hope it helps Please keep me informed as these change. Clarifications: Moved Chevron because it was thought to be a fluke and with Jim's info added. STARTER BK CARDS: score? bad. 1. Household - unsecured 300 2. Cap1 - Unsecured 300 3. Providian visa - 500 4. FCNB - unsecured - $1000 5. Cap1 - Secured 6. Orchard - Secured 6 MOS - 1 YEAR REBUILDING CREDIT: score low 600s 1. Cap1 - unsecured gold 500 2. Prov MC - unsecured 500 3. Orchard - unsecured $500 4. Target - unsecured 200 5. First Premier - $200 6. Providian Classic - $1000 1-2 YEARS REBUILDING: score mid 600s 1. Aria/Getsmart Visa - unsecured - $500 2. AT&T Wireless - No deposit 3. Cap1 Platinum - unsecured 5000. Yes, platinum. started w/regular card and negotiated credit line to platinum. (Wow!) 4. Cross Country Bank Visa - unsecured - $300, then $600, then $1250 over time. * 5. Cross Country Bank MC - unsecured - $350 * 6. Dillards - unsecured - $500 7. Circuit City â?? unsecured -$2000 8. Western Security Bank - secured 9. 1/00 Direct Merchants Bank $1001 (Semi-secured) 10. Sprint PCS - $200 Assigned Spending Limit 2+ Years Rebuilding: score low to mid 600's: 1. Aspire - unsecured - $500 2. Providian Gold 3. Voicestream - No deposit 4. Bank One Checking Account with Debit Card after 5 months usage 6. Mortgage 7. Nordstrom - suggest not applying on-line 8. First N.A. Nat. Bank - 3 years 9. Citibank MC- will consider post-7 years 10. Nextel - must be 7 years post BK, no dep. 11. Exxon - 4 years 12. Home Depot - 4 years 13. Bloomingdales - 3 years 14. Verizon - no deposit 15. Washington Mutual Visa secured card issued by Citibank N.A. South Dakota 16. Mervyn's ** 17. Generations (6 year mark!) - $1000 18. Target Visa - mid 600's required 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. Will not accept BK 1. Lowe's (MB) 2. Home Depot (MB) ** 3. Walmart 4. Mervyns ** 5. Exxon/Mobile ** 6. Amex Green 7. Best Buy (Household) 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 Smart Suggestions: 1) Try Credit Unions 2) Ford is BK friendly *See note in first message of thread ** Seen on approved and not approved both.
Re: I"ve updated the list-hope it helps Nanac, You can add Chase Manhattan Visa to the NOT BK FRIENDLY list.
Re: I"ve updated the list-hope it helps Thanks, I'll take care of that asap. I may run late on updating. I will get to it, though, I promise. My absence from here resulted from a sick family member. Had to work with hospice, etc. My uncle passed away last night. Missed everyone here...
Re: I"ve updated the list-hope it helps Wow, Nana that was really fast. I didn't expect you to respond so soon. I am really sorry to hear about your uncle. Take care.
Re: I"ve updated the list-hope it helps I guess I'm out of luck here. I just filed chp7 6/02 and included Cap1, Providian, and Ford. Although right after I filed I got a preapproved CC from Household for $500 cl and 21%apr. I don't think I can apply anywhere else, according to the list, to rebuild my credit.
Re: I"ve updated the list-hope it helps FCNB is First Consumers National Bank.....I had a secured card wuth them years ago when I was starting out. They are in Oregon. Not sure how they are in this market. I have a charge off with tem for 8k and I know some people that have burned them big.
Re: I"ve updated the list-hope it helps NanaC, I'm so sorry to hear of your loss. No doubt your plate's been pretty full of late. You and your family are in my prayers. DemPooches
Re: I"ve updated the list-hope it helps nanac, also b of a would not reconsider unless the bk7 was 7 years out.
Re: update I would also add to your 1-2 year list: XXX. Auto loan (D-B grade loans, 10% higher than "A" loans) And to your 2+ Years Rebuilding: XXX. Auto loan (B-A grade loans, 2-10% higher than "A" loans)[/quote] Also, Most mortgage companies won't do an "A" grade loan until you are 4 years out of BK.
Re: update Thanks, Dem and Christi... it meant so much to read your words. They gave him 3 to 6 months, he went in 3 days. He was my Godfather, too. Struggling with this one..Hugz to everyone..will update list soon....thanks!
Re: update Sorry to hear about the loss NanaC. My husband and I both got unsecured cc's from Wescom Credit Union recently. You need to be in S.CA to join the CU. We followed Jim's advice and also just got Nordstrom's cards. We did it the way he suggested as in calling and confirming their policy with a rep. Not applying online. I think Nordstrom's is already on your list. We are 5+ years post BK7. We may have been able to get these 4 cards years ago but didn't know it. I only found this board a few months ago.
My chapter 7 BK was discharged 3 years ago. With fico now up around 670, Lowes (monogram) gave me instant approval for $1000 but still allowed me to buy a $1200 refrigerator, 0%interest, no payments until October 2003. Most notably, Washington Mutual gave me a $920,000 mortgage @6%.
