If you have filed Bankruptcy or have been unable to pay your bills and have "charged-off" accounts. It is to your advantage to begin to establish a good payment history as soon as possible. Please let us know if you find any other useful links or if a link has gone bad.

STARTER BANKRUPTCY CARDS: score bad
 
Household - Unsecured $300 - 5 months score about 545  www.householdbank.com/hb/CustomerCare?cmd_Redirect=HomePage
Capitol - Secured and Unsecured  www.capitalone.com
Orchard - Secured - $300  www.orchardbank.com/care/CustomerCare?cmd_Redirect=HomePage
American Online - Secured Visa  www.apbank.com/021_scc.html

 

6 MOS - 1 YEAR REBUILDING CREDIT: score low 600s
 
Cap1 - Unsecured gold $500  www.capitalone.com
Orchard - Unsecured $500   www.orchardbank.com/care/CustomerCare?cmd_Redirect=HomePage
Target Guest Card- Unsecured 200 http://target.com/common/financialservices/apply_online.jhtml
First Premier - $200  www.credit-cards-s.com/premier.asp

 

2 YEARS REBUILDING: score mid 600s

AT&T Wireless - No deposit  http://www.attws.com
Cap1 Platinum - $5000. Started w/regular cc, negotiated cl to platinum  www.capitalone.com
Cross Country Bank Visa - $300 then $600 then $1250 over time  www.crosscountrybank.com *
Cross Country Bank MC - unsecured - $350  www.crosscountrybank.com *
Dillard’s - unsecured - $500  www.dillards.com/cca/CreditCardApplication.jsp
Circuit City – unsecured -$2000  http://www.fnanb.com/applynow/index.asp
Western Security Bank – secured  www.westernsecuritybank.com
Direct Merchants Bank $1001 Semi-secured  www.directmerchantsbank.com
Sprint PCS - $200 Assigned Spending Limit  www.sprintpcs.com
Newport News/Spiegel’s/Eddie Bauer  www.spiegals.com/home.asp

 

2+ Years Rebuilding: score low to mid 600's
 
Aspire - unsecured - $500  www.compucredit.com/pdcts.html
Voicestream - No deposit  www.voicestream.com
Bank One Checking Account with Debit Card after 5 months usage www.bankone.com
Mortgage Received No specific name as more than one loan was found by those reporting receipt of mortgage loan
Nordstrom - suggest not applying on-line  www.nordstrom.nordstrom.com
First N.A. Nat. Bank - 3 years
Citibank MC- will consider post-bankruptcy K -7 years www.citibank.com
Nextel - must be 7 years post-bankruptcy, no deposit  www.nextel.com
Exxon - 4 years  www.exxon.com
Home Depot - 4 years  www.homedepot.com **
Bloomingdales - 3 years  www.bloomingdales.com
Verizon - no deposit  www.verizonwireless.com
Washington Mutual Visa secured card by Citibank N.A. South Dakota  www.washingtonmutual.com
Mervyn's  www.mervyns.com **
Generations 6 years Post BK - $1000  www.genscu.com
Target Visa - mid 600's required  www.target.com
Lowe’s - 3+ years www.lowes.com
Washington Mutual Mortgage - 3+ years  www.wamuhomeloans.com
Nordstrom - 5+ years  www.nordstrom.com
Wescom credit Union - 5+ years  www.wescom.org
First Nationwide Mortgage - 5 years  www.firstnationwide.com
Dell - $1500 - 5+ years  www.dell.com
Nissan Lease - 6+ years
Phillips 66 - 7.5 years  www.phillips66.com
Fordcredit - 5 years  www.fordcredit.com
Diamond Shamrock - 6.5 yrs  www.valero.com
Menard's Big Card (Conseco) - $3000 - 5+ years  www.menards.com
Capital One Auto Finance -14 % int score 650  www.capitalone.com/capitaloneplace/fa/auto.php?autotc=2&pfid=2000bann0202

Other Cards To Try For

1.Union Plus 620
http://www.unionpluscard.com/up/CustomerCare?cmd_Redirect=HomePage Approved with public records in dispute with Equifax.

 

Special Considerations

1. Bank of America - will consider post-bankruptcy if you have established credit and can show unusual circumstances (business loss, medical, etc.)
2. Citibank MC- will consider post-bankruptcy after 7 years
3. Citibank Diners Club - will consider post-bankruptcy if you have established credit and can show unusual circumstances (business loss, medical, etc.)
4. Federated (Pres.Club Visa) - 3 yrs post-bankruptcy able to override w/explanation & >680
5. Federated (Macy's)- 2 years post-bankruptcy was able to override with explanation

 

Rejections Bankruptcy 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 bankruptcy  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 Bankruptcy discharge within 4 months**
26. American Honda Finance Denied 645 pub record
** 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. Next pay half of what's left before the 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 Bankruptcy friendly Scores low as 579
6. Capital One secured - sent $99 received $500 Credit Line

4-5 months post discharge
1. Orchard unsecured $1000 Credit Line
2. Providian Platinum unsecured $2000 Credit Line
3. Target guest card $200 CL Usually approved with score over 590 and any pub records in dispute w/credit reporting agency.
 

Links to see what scores or credit reporting agency’s creditors use to approve
http://www.cardreport.com/dirs/credit-directory.html
http://groups.yahoo.com/group/whopulledmycredit/
http://www.creditboards.com/creditsearch/index.php



Different Store Cards Online
Boscovs  http://www.boscovs.com/commerce/credit/boscovcreditcard.asp
Dell  http://www.dell.com/us/en/gen/default.htm
Dillards  https://www.dillards.com/cca/CreditCardApplication.jsp
Disney Card  http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=disney_launch_ds&page=cont&mkid=6RGL06
Homedepot  http://www.homedepot.com/prel80/HDUS/EN_US/diy_main/pg_diy.jsp?CNTTYPE=NAVIGATION&CNTKEY=diy_features/dc0401w1p_zeromony.jsp
Kohl’s  http://www.kohlscorporation.com/ecom/windows/10_02ChargeCardPromo.htm
Macys   http://www.macys.com/service/credit/index.ognc?levelNo=2&nodeNo=1&pageStr=creditservice&bhcp=1
OfficeMax  https://www.ecardapply.com/officemax/web/application.asp?returnURL=http://www.officemax.com/max/solutions/services/maxCreditapps.jsp?BV_UseBVCookie=yes
Sears  https://www.searscard.com/?
Staples  http://www.staples.com/Services/credit/index_personal.asp
Target  http://target.com/common/financialservices/financialservices_main.jhtml
Wal-Mart  http://www.walmartstorecard.com/