Credit Repair Links and Information

Community Leader
Registered: 03-17-2003
Credit Repair Links and Information
3
Sun, 11-14-2010 - 10:28am

Hi all. At one point in time we will want to get ourselves back on our financial feet and rebuild our credit lives. I have read so many posts where we are searching for info and a starting place, where we can hopefully find some direction and feedback. I have scoured for info and wanted to share what I have found.

"Fine Print" Preface: The data is for informational purposes only and should not be construed as a recommendation or endorsement. It is not complete with respect to services or institutions nor is it meant to be exclusive or exclusionary in any way. It does not vouch for the capabilities, trustworthiness or performance of any individual, business or instutition.

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.

As always, please post your experiences, information, suggestions, and feedback.

STARTER BK CARDS: score bad.
1. Household - unsecured 300 - 5 mos., score about 560 (www.householdbank.com/hb/CustomerCare?cmd_Redirect​=HomePage)
2. Cap1 - Secured and Unsecured (www.capitalone.com)
3. American Online Secured Visa (www.apbank.com/021_scc.html)

6 MOS - 1 YEAR REBUILDING CREDIT: score low 600s
1. Cap1 - unsecured gold 500 (www.capitalone.com)
2. Target Guest Card- unsecured 200 (target.com/common/financialservices/apply_online.j​html)
3. First Premier - $200 (www.credit-cards-s.com/premier.asp)

1-2 YEARS REBUILDING: score mid 600s
1. AT&T Wireless - No deposit (http://www.attws.com)
2. Cap1 Platinum - unsecured 5000. (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. 1/00 Direct Merchants Bank $1001 (Semi-secured) (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 Bank - $1000 (www.applymerrick.com0

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 (Would someone please provide URL if known?)
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/fa/auto.php?aut​otc=2&pfid=2000bann0202)
29. JCB Card - CE642

SPECIAL CONSIDERATIONS:
1. Bank of America - will consider post-BK if you have established credit and can show unusual circimstances (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 circimstances (business loss, medical, etc.)
4. Federated (Pres. Club Visa)- 3 years post BK was...


iVillage Member
Registered: 01-06-2011
Thu, 01-06-2011 - 8:10pm

This is a great website to raise your credit score to above 750. http://www.750creditrepair.com

iVillage Member
Registered: 07-20-2011
Wed, 07-20-2011 - 6:39pm
This is really great information.

Thanks!
www.debt800.com
Community Leader
Registered: 03-17-2003
Wed, 07-20-2011 - 6:48pm

Glad you found the info helpful.