Re: I"ve updated the list-hope it helps may be income since I am no longer employed but on disability..and really strange is that i filed against them..maybe because I had kept in good standing with them till bk that i got it at all...
Re: I"ve updated the list-hope it helps That's good...I ALMOST DROUNDED MY SORROWS IN BEER...ooops I DON'T DRINK...I'll have another PEPSI!!!
Re: Ive updated the list-hope it helps As in Pepsi Center?? Are you the reason the AVS have that beautiful building, George? LOL I wish they had a middle ground card but it looks like it's secured for BK and unsecured, no BK. Oh, well. Hubby just told Aspire where to put their card and shredded it. Never late, nothing, paid off. Now closed. Tried Target Visa with a 660 but it was a no go..he got the guest card though...whoohoo..I'm not a target guest card fan at all.
Re: Ive updated the list-hope it helps Can add Pottery Barn as a non-bk friendly. Car Max is bk friendly. Not sure what the factors are. A friend of mine bought an auto from them with a bk-7 that is 6 years old. $22,000 purchase price/ he put down $10k and received an APR below 7%. Best regards, Mirage
Re: Ive updated the list-hope it helps Got it, Mirage. Will update as soon as I'm back in El Pasto, er, El Paso.
Re: Ive updated the list-hope it helps First Union financed my first post BK-7 auto purchase approximately 20 months after filing. Terms were 60 months @12.5% APR and $1k down.
Re: Ive updated the list-hope it helps Miami, I've got it! Will add when I get home...Thank you much!
Re: Ive updated the list-hope it helps Aw, Miami, Yes, I'm fine. YOu are sweet to ask. Been lurking a bit. How are you????
Re: I"ve updated the list-hope it helps NanaC, Thank you very much for the update. I have given your earlier list to so many people now I have lost count. It has really helped many of my friends and clients start rebuiding their credit. This is an invaluable post and I appreciate it very much. PBM should make it permanent. Sincerely, clc
Re: I"ve updated the list-hope it helps Duh, how come I missed that! LOL oh, my...must have been hit in the head with a puck too much..or too much chlorine from the cement pond? Or, shoot, just the El Pasto air could do it! teehee
Re: I"ve updated the list-hope it helps I am surprised that no one has said that Dell and the other computer sellers have extended credit to BK people. I haven't applied for a computer loan but I would think that as competitive as the personal computer market is that Dell at least would extend credit. If I am wrong and they are tough credit grantors, I apologize. We plan to buy new computers in the spring and assumed we could finance thru Dell.
Re: I"ve updated the list-hope it helps not sure about dell but I dot think gateway really finances it..it goes through places like mbna,household etc... you just apply through their sights...
Re: I"ve updated the list-hope it helps Will add if anyone knows for sure..let me know (Dell/Gateway). Also, hubby got preapproved Diamond Shamrock in mail..will see if it really shows up.
Re: I"ve updated the list-hope it helps fyi: DELL approved dh for $2000.00 w/23.99% interest. with 7.8 year old bk last month. we are transferring to a low rate card when stmt comes.
CC List with Mortgage updated info -------------------------------------------------------------------------------- Originally posted by NanaC 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 Guest Card- 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 11. Newport News/Speigals/Eddie Bauer 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 19. Lowes - 3+ years 20. Washington Mutual Mortgage - 3+ years 21. Nordstrom - 5+ years 22. Wescom Credit Union - 5+ years 23. First Nationwide Mortgage - 5 years 24. Dell - $2000 - 7+ years 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: 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 22. Chase Manhattan 23. Target Visa 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. --------------------------------------------------------------------------------
