My DH has been trying to rebuild his credit this year but it has been like pulling teeth to get a decent cc for him, he already has First Premier and Chevron... he has been declined through Household, Target, Cap1, Providian... it really seemed hopeless. For the heck of it he applied to KeyBank (Citi/Assoc) this week and today he received an email saying is APPROVED for a classic MC! High APR, low CL ($500) but he will take what he can get. Just an FYI for those trying to rebuild, Key might be a good option.
they checked TU, he has 1 collection (paid), 1 closed cc with lates (from 2 years ago), and a charge off (paid) + 3 positive tradelines (2 low limit/secured CCs with 6 months positive history and an old car loan) + 8 hard inquiries... his score from TU last I checked was 605.
