[Qtip]

I beleive this list was compiled by nanaC, credit goes to her!

STARTER BK CARDS: score bad
1. Household - unsecured 300 - 5 mos., score about 560 -
http://www.cardratings.com/poorinfohome.html
2. Cap1 - Secured and Unsecured - www.capitalone.com
3. Orchard - Secured - http://www.cardratings.com/poorinfohome.html
4. American Online Secured Visa - www.apbank.com/021_scc.html
5. Mazda (Ford) - 1 day post BK13 - auto loan
6. Kay Jewelers - $2000 - www.kayjewelers.com

6 MOS - 1 YEAR REBUILDING CREDIT: score low 600s
1. Cap1 - unsecured gold 500 - www.capitalone.com
2. Orchard - unsecured $500 -
http://www.cardratings.com/poorinfohome.html
3. Target Guest Card- unsecured 200 - http://www.target.com/common/financi...y_online.jhtml
4. First Premier - $200 - www.credit-cards-s.com/premier.asp
5. Providian Platinum - www.providian.com
6. Citifinancial Mortgage - 6 mths post - 9% - www.citifinancial.com
7. First National Bank of Marin - 6 mths post - low 600's - $300 unsecured - www.fnbmarin.com
8. Raymour and Flanigan Furniture - no URL available

1-2 YEARS REBUILDING: score mid 600s
1. AT&T Wireless - No deposit - 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 Bank - $1000 - 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.com
6. First N.A. Nat. Bank - 3 years (Would someone please provide URL if known?)
7. Citibank MC- will consider (reconsider) post-7 years, usual initial denial - http://www.cardratings.com/lowratepl...editcards.html
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 - http://www.capitalone.com/capitalone...d=2000bann0202
29. JCB Card - CE642 - www.jcbusa.com
30. Union Plus - originally denied, reconsidered and approved via PFB - 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 - http://www.household.com/corp/hipf_c...d_select.jsp**
32. JCPenney - 4 years, 7 months post bk7 - www.jcpenney.com
33. BOFA Alaskan Airlines - 5 years, 3 months post bk, approved upon reconsideration - www.bofa.com
34. Capital One - Auto loan 2 years post bk
34. GM card - http://www.household.com/corp/hipf_c...d_select.jsp**

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. (Note: I have heard of no post BK approvals yet. Please update if you receive one. Thanks!)
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):

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. Wells Fargo Secured
30. Newport News/Spiegals/Eddie Bauer **
31. WFFNB
32. Circuit City **
33. J.C. Penney **
34. Kohl's
35. USBank - new information 1/31/2004 may approve with bankruptcy pending.
36. Netbank
37. Discover
38. MBNA