Martin
Joined: 14 Jan 2004
Posts: 22
|
 Posted:
Thu Apr 22, 2004 9:28 am |
  |
BK FRIENDLY CREDITORS
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.
STARTER BK CARDS: score bad
Household - Unsecured $300 - 5 mos score about 545 [url=http://www.householdbank.com/hb/CustomerCare?cmd_Redirect=HomePage]Household Bank[/url]
Cap1 - Secured and Unsecured [url=http://www.capitalone.com]Capital One[/url]
Orchard - Secured - $300 [url=http://www.orchardbank.com/care/CustomerCare?cmd_Redirect=HomePage]Orchard Bank[/url]
American Online - Secured Visa [url=http://www.apbank.com/021_scc.html]AOL Secured[/url]
6 MOS - 1 YEAR REBUILDING CREDIT: score low 600s
Cap1 - Unsecured gold $500 [url=http://www.capitalone.com]Capital 1[/url]
Orchard - Unsecured $500 [url=http://www.orchardbank.com/care/CustomerCare?cmd_Redirect=HomePage]Orchard[/url]
Target Guest Card- Unsecured 200 [url=http://target.com/common/financialservices/apply_online.jhtml]Target[/url]
First Premier - $200 [url=http://www.credit-cards-s.com/premier.asp]First Premier[/url]
2 YEARS REBUILDING: score mid 600s
AT&T Wireless - No deposit [url=http://www.attws.com]AT&T[/url]
Cap1 Platinum - $5000. Started w/regular cc, negotiated cl to platinum [url=http://www.capitalone.com]Capital One[/url]
Cross Country Bank Visa - $300 then $600 then $1250 over time [url=http://www.crosscountrybank.com]Cross Country Bank[/url] *
Cross Country Bank MC - unsecured - $350 [url=http://www.crosscountrybank.com]CCB[/url] *
Dillard’s - unsecured - $500 [url=http://www.dillards.com/cca/CreditCardApplication.jsp]Dillards[/url]
Circuit City – unsecured -$2000 [url=http://www.fnanb.com/applynow/index.asp]Circuit City[/url]
Western Security Bank – secured [url=http://www.westernsecuritybank.com]Western Security[/url]
Direct Merchants Bank $1001 Semi-secured [url=http://www.directmerchantsbank.com]Merchants Bank[/url]
Sprint PCS - $200 Assigned Spending Limit [url=http://www.sprintpcs.com]Sprint[/url]
Newport News/Spiegel’s/Eddie Bauer [url=http://www.spiegals.com/home.asp]Spiegals[/url]
2+ Years Rebuilding: score low to mid 600's
Aspire - unsecured - $500 [url=http://www.compucredit.com/pdcts.html]Aspire[/url]
Voicestream - No deposit [url=http://www.voicestream.com]Voicestream[/url]
Bank One Checking Account with Debit Card after 5 months usage [url=http://www.bankone.com]Bank One[/url]
Nordstrom - suggest not applying on-line [url=http://www.nordstrom.nordstrom.com]Nordstrom[/url]
Citibank MC- will consider post BK -7 years [url=http://www.citibank.com]CitiBank[/url]
Nextel - must be 7 years post BK, no dep [url=http://www.nextel.com]Nextel[/url]
Exxon - 4 years [url=http://www.exxon.com]Exxon[/url]
Home Depot - 4 years [url=http://www.homedepot.com]Home Depot[/url] **
Bloomingdales - 3 years [url=http://www.bloomingdales.com]Bloomingdales[/url]
Verizon - no deposit [url=http://www.verizonwireless.com]Verizon[/url]
Washington Mutual Visa secured card by Citibank N.A. South Dakota [url=http://www.washingtonmutual.com]Washington Mutual[/url]
Mervyn's [url=http://www.mervyns.com]Mervyn's[/url] **
Generations 6 years Post BK - $1000 [url=http://www.genscu.com]Generations[/url]
Target Visa - mid 600's required [url=http://www.target.com]Target[/url]
Lowe’s - 3+ years Lowe's
Wescom Credit Union - 5+ years [url=http://www.wescom.org]Wescom[/url]
Dell - $1500 - 5+ years [url=http://www.dell.com]Dell[/url]
Other cards To Try For
1.Union Plus 620
[url=http://www.unionpluscard.com/up/CustomerCare?cmd_Redirect=HomePage]Union Plus[/url] Approved with pub records in dispute with equifax
[b]Special Considerations
1. Bank of America - will consider post-BK if you have established credit and can show unusual circumstances (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 circumstances (business loss, medical, etc.)
4. Federated(Pres.Club Visa)-3 yrs p-BK able to override w/explanation & >680
5. Federated (Macy's)- 2 years post-BK was able to override with explanation
Rejections BK or Public Record Unfriendly
1. Lowe's (MB)
2. Home Depot (MB)**
3. Wal-Mart
4. Mervyns**
5. Exxon/Mobile**
6. Amex Green
7. Best Buy (HHBK)-Recently confirmed letter due to bk Ch13 6.5 yrs
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. Men’s 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. American Honda Finance Denied 645 pub record
27. JC Penny's
** Seen on approved and not approved both
Smart Suggestions
1. Open a secured loan with your bank. Pay half off before 1st payment is due. Pay another half when 2nd payment is due. Pay the rest in 4 equal payments. This is an easy way to move your score up from 20-50 points in a few months.
2. Open 2nd secured loan with different bank. Do same as above.
3. Open 3rd secured loan with different bank. Do as above
4. Try Credit Unions
5. Ford is BK friendly Scores low as 579
6. Capital One secured - sent $99 received $500CL
4-5 months post discharge
1. Orchard unsecured $1000 CL
2. Providian Platinum unsecured $2000 CL
3. Target guest card $200 CL Usually approved with score over 590 and any pub records in dispute w/cras.
Different Store Cards Online
[url=http://www.boscovs.com/commerce/credit/boscovcreditcard.asp]Boscovs[/url]
[url=http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=disney_launch_ds&page=cont&mkid=6RGL06]Disney Card[/url]
[url=http://www.homedepot.com/prel80/HDUS/EN_US/diy_main/pg_diy.jsp?CNTTYPE=NAVIGATION&CNTKEY=diy_features/dc0401w1p_zeromony.jsp]Home Depot[/url]
[url=http://www.kohlscorporation.com/ecom/windows/10_02ChargeCardPromo.htm]Kohl's[/url]
[url=http://www.macys.com/service/credit/index.ognc?levelNo=2&nodeNo=1&pageStr=creditservice&bhcp=1]Macy's[/url]
[url=https://www.ecardapply.com/officemax/web/application.asp?returnURL=http://www.officemax.com/max/solutions/services/maxCreditapps.jsp?BV_UseBVCookie=yes]Office Max[/url]
[url=https://www.searscard.com/?]Sears[/url]
[url=http://www.staples.com/Services/credit/index_personal.asp]Staples[/url]
[url=http://www.walmartstorecard.com/]Wal-Mart[/url] |
|
|
