Re: I"ve updated the list-hope it helps NanaC, I wanted to say thank you for maintaining this thread, I have printed it, booked marked it, and read it about 50 times -- it is well-used and an incredible resource. I'm so sorry for the loss of your uncle. Big hugs to you! Sassy
Re: I"ve updated the list-hope it helps I received a JC Penny pre-selected offer a few weeks ago - I sat on it for a few weeks because it was not a pre-approved offer. Then I noticed a soft inquiry on my EX so I decided to send it in. I really expected a denial as it is Monogram Bank. Couln't believe my surprise when I got an alert on EX about a new tradeline and it was JC Penney!!?? I hadn't even gotten the card or an approval letter yet (gee that was fast reporting!!) Anyway I was approved for $500. My score was either 632 or 634 (can't remember). The only derog on my report is the 4 yr old BK itself. I had one inquiry at the time and very high utilization (22% avail).
Just adding to the list Just wanted to add to the list... My BK7 was discharged in 5/94 (Almost off!) I got the Home Depot card in August. Only $850 limit, not sure what APR is because I haven't used it. Are you thinking of adding Spiegel to the list? I got a card with them in March, I pay it off every month, also $850 limit (What is up with the $850 limit???) and some astronomical APR. Still no increase, though. My scores were low to mid 600s at the times of approval.
Re: Just adding to the list I am 16 mos. post-chptr 7 bankruptcy. I received an approval for Newport News for $1,500 which is through FCNB. The card can be used at Spiegel and Eddie Bauer. So I am assuming they are all through FCNB.
Re: Just adding to the list Yes, they are all the same company. It seems like an easy tradeline (and I had them in my BK, so I assume there is no blacklist but that might be why I have such a low amount)
Re: I"ve updated the list-hope it helps Hey NanaC, Sorry I am so late on this thread. Right now, I have not applied for anything because scores are still in the mid 400's. I filed BK 13: EQ-filed 2/99, 08/99 dismissed FICO 446 TU-filed 2/99, 08/99 dismissed FICO 418 EX-filed 2/99, 08/99 discharged. FICO ??? Reading this post, I should not EVEN try to apply for anything until the BK are atleast 5-7 years old. I am disputing them during CHOD, so hopefully the dismissed will come off. I agree that a BK13 is worse than a BK7. Great list of post BK CC, companies, and CU info... Thanks NanaC!!! UNLV34
Re: I"ve updated the list-hope it helps UNLV, you are most welcome! I made the mistake of waiting too long after my BK to get credit. I would look into a secured card as soon as possible. Just my thoughts...but even a small $200 is a rebuilding tool! Best of luck to you!
Re: I"ve updated the list-hope it helps I was just approved for a card from Household with 500 limit unsecured...discharge was just last month..am surprised limit is 500.It's in the mail! interest 18.9...lower than alot I had before bk...... I was sent this offer in mail and really didn't think it would come through but happy it did cause didn't want to start applying..still gunshy and drained I guess.....Is a 39.95 yearly charge..still great considering....
Re: I"ve updated the list-hope it helps Hey Nana, I've already had Cap 1, Providian, First USA, Household Bank, Sterling Bank & Trust, and United National Bank. Providian and First USA are paid charge offs. The others are unpaid charge offs that I am trying to rectify before the new year. Is there any advice on getting a secured card for the new year to restablish credit? Any advice is greatly appreciated ... UNLV34
Re: I"ve updated the list-hope it helps Also JCPENNEY, NATIONAL CITY, STATE FARM BANK and CHEVRON denied me the card due to bk present in the report.
Re: I"ve updated the list-hope it helps You can try American Pacific Bank. www.apbank.com Here is the info from their site: Easy Guidelines $10,000 gross annual income U.S. resident Must reside in the Continental U.S., including Alaska or Hawaii 18 years of age or older A phone in your home Current accounts not seriously past due Bankruptcy must be discharged. If your bankruptcy was filed in the past 12 months, send a copy of the discharge papers. A chapter 13 bankruptcy must be at least 6 months old From what I remember, the apr was below 10% on the secured. Not sure if it still is.
Re: I"ve updated the list-hope it helps Thanks LKH, You are ALWAYS a source of positive info ... I will also try Secured CD loans as well. If you can think of a couple more, please keep me posted. UNLV34
Re: I"ve updated the list-hope it helps I don't know what guidelines they are using b/c they offered me a card with $1500 limit may02 and chp7 was just discharged in sept02. My scores had to be pretty bad, like mid 500's. I do have a long credit history so maybe that had something to do with it.
Re: I"ve updated the list-hope it helps Will update as I can. I'm in Phoenix...going to the AVS-coyotes game tomorrow. I'll be the one in the AVS Jersey amongst the "other" jerseys..teehee...
Re: I"ve updated the list-hope it helps Easy Guidelines $12,000 gross annual income Debt to income ratio of no more than 40%. Availably only to residents of ***Idaho, Oregon, and Washington.*** 18 years of age or older One year at the same address or a minimum of three years in the same community. One year with the same employer or five years in the same field. A phone in your home Current accounts not past due No unpaid legal items or collection items in the past five years. No bankruptcy, foreclosure, garnishment, repossessions, charge-offs, or defaulted loans. VISA CLASSIC...
Re: I"ve updated the list-hope it helps What George posted is for the unsecured visa. The secured says this: Secured Credit Cards Need to establish or rehabilitate your credit? Our secured Visa card gives you a credit limit equal to your security deposit, yet no one but you knows it's secured. Available to residents of all 50 states.
