Nana posted this... Who pulls which bureau in Jersey is my question? 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) ~NanaC~ Like a broken record, NanaC was known to wander, mumbling over and over: "PLEASE Check state requirements for CA's before doing anything." Using State Laws to get rid of CA's Credit After BK CreditRepairFriends
