I have not declared bankruptcy but, my credit has stunk...including two agreed judgements (one paid in full, the other almost done). I've not checked my scores recently, too afraid. That said, I applied for a HSBC card. Even though, my account was charged off previously with them. Today, I was approved for an Orchard Bank card with a 300 limit ...woohoo. I"m not sure how my recommended HSBC platinum card application turned into an Orchard Bank card but, I'm not complaining. I'm on the road to rebuilding my credit. I have a couple of questions though. When should I apply for another card to continue my rebuilding process? I was denied recently for the best buy card. I think that was because I had the other application in the works (didn't answer the verification call the first time but, did the time they called back). Also, any idea the best route to take to get the CLI from Orchard Bank? Thanks and this site is very helpful!!!
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