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
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