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napsgear
genezapharmateuticals
domestic-supply
puritysourcelabs
Research Chemical SciencesUGFREAKeudomestic
napsgeargenezapharmateuticals domestic-supplypuritysourcelabsResearch Chemical SciencesUGFREAKeudomestic

Get credit good or bad

SpyWizard

Elite Mentor
EF VIP
No this is not spam, but information about your ability to get credit, remember to read what else i have posted about your credit.. Since i received so many responses of thanks to the last thread i posted about credit, i thought i would share some more..

Here ya go.. if the links don't work no biggie, just google the company name..

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)
7. Verizon (no deposit, as little as 3 mos after discharge - www.verizonwireless.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
8. Raymour and Flanigan Furniture (please provide url if available)

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 � 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 )
***out of sequence due to updating of information
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
 
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