Discharge!!!

[NOMOREBADCREDIT]

I have been discharge 11/20/07. thanks everyone here for youre help. time for me to start rebuilding but experian will not let me do any disputes experian say they will not dispute the info because it was verified before how can i get around this. also which is a good credit card to get to start with. i got a offer from first premier bank for a platinum master card with 250 limit but 71 dollars is available?

[aachudneymiles]

congrads... now a fresh start ...

you can send in a letter with proof if you have it. you can call experian tell them you have proof and its being reported wrong and ask to fax them proof .. or if you disputing to get deletions you wouldnt have proof ... in that case you can just send a letter to their address saying you dispute items and account numbers..

and you want a credit card already? lol j/k try orchard bank or imagine card both have fees. good luck

[CATCHMEIFYOUCAN]

http://www.nmbonline.com/

Im with new millenium bank

$99 processing fee
$300 accumulated into a savings account, once you reach the $300 they will cut you a card. Whatever amount thereafter (increments of $100) will add to your credit limit
$59 annual fee a year .. you must have the account open for at least a year! So far I've accumulated $600 credit limit .. so when I shut this baby down after a year the $600 is mine!

Premier has all those fees and charges (watch the fine print!) by the time they charge you to have one of their cards you are left with the amount you mentioned .. RIP OFF !

Also check out www.Hooters.com .. I've been discharged since last January but had applied for the card near to discharge and got a $1000 limit w/$39 annual fee (something like that) Hooters I guess is very BK friendly (owned by Merrick Bank)

Also you might want to consider opening an account with a Credit Union, in the long run your going to get the best interest rates for loans, etc. (www.mycccu.com). Another forum user in here got a great car loan at 6 1/2% but she has been out of BK for 2 years and some (screen name: cindy____). Plus eventually you can get a decent credit card (I don't thing they have an annual fee!) I haven't been able to get a credit card with them yet, maybe in a couple of years. Right now I have enough. 1 secured card and my Hooters card!

This is just based on what I have done since out of BK. You'll see lots of members in here and lots of examples and advice on starting off the credit!

Good Luck, Catchmeifyoucan

[aachudneymiles]

http://www.nmbonline.com/

Im with new millenium bank

$99 processing fee
$300 accumulated into a savings account, once you reach the $300 they will cut you a card. Whatever amount thereafter (increments of $100) will add to your credit limit
$59 annual fee a year .. you must have the account open for at least a year! So far I've accumulated $600 credit limit .. so when I shut this baby down after a year the $600 is mine!

Premier has all those fees and charges (watch the fine print!) by the time they charge you to have one of their cards you are left with the amount you mentioned .. RIP OFF !

Also check out www.Hooters.com .. I've been discharged since last January but had applied for the card near to discharge and got a $1000 limit w/$39 annual fee (something like that) Hooters I guess is very BK friendly (owned by Merrick Bank)

Also you might want to consider opening an account with a Credit Union, in the long run your going to get the best interest rates for loans, etc. (www.mycccu.com). Another forum user in here got a great car loan at 6 1/2% but she has been out of BK for 2 years and some (screen name: cindy____). Plus eventually you can get a decent credit card (I don't thing they have an annual fee!) I haven't been able to get a credit card with them yet, maybe in a couple of years. Right now I have enough. 1 secured card and my Hooters card!

This is just based on what I have done since out of BK. You'll see lots of members in here and lots of examples and advice on starting off the credit!

Good Luck, Catchmeifyoucan

I WOULDNT GO WITH NEW MILL the reason is you pay interest + alot of fees on your own money so while your getting your 600.00 back it is the money you put in that savings and the fees are crazy monthly and annually, you end up paying them to a bunch just to report they are taking your money..
first pri is a rip off they give you a credit line of like 300.00 but charge you 250 in fees then fees monthly.

if your doing secured I would do orcard bank.. my annual fee was 39 and i put my own money in there no monthly..or Bank of americia boa offer me a card secure i put down 100.00 they gave me a credit line of 500.00 no fees

[CATCHMEIFYOUCAN]

too late to boot out of millenium .. i will have to wait a couple more months to cancel the service.

oh, okay . ill try bank of america boa .. orchad ? hmmm i have yet to see they dont charge crazy fees and such like premier !

thanks, catchmeifyoucan

[325Falcon]

While I do understand the need to rebuild ones credit after BK I dont understand the rush to get all these subprime credit cards.

[magyar123]

While I do understand the need to rebuild ones credit after BK I dont understand the rush to get all these subprime credit cards.

They - subprime cards - are the first ones who will issue you one right out of bankruptcy. True, the fees and interest rates are at loanshark levels, but once you show responsibilty in repaying on a timely basis your credit will slowly improve from the hit that your bankruptcy took.
And credit is credit. Credit scores do not take names of creditors into account. Orchard, Household, whatever carry the same weight as Citi, Chase, or Discover.

[lrprn]

Ultimately the most effective financial recovery plan after bk is cleaning up your credit reports and the passage of time making on-time payments to your creditors who report to the credit bureaus.

Rather than applying for multiple subprime credit cards with high APRs and high mandatory fees right out of bk, instead get the best secured credit card you can to start the rebuild. Then while you wait for six months to qualify for better cards and better rates, make on-time payments for that card and all your other bills (utilities, etc).

At one year after discharge, unless you are very young and/or have no positive prior credit history, credit scores are typically the same as someone with a boatload of subprime cards. However, you will save a ton of fees you'll have to spend for the subprime cards the first six months out plus not have to make the often wasteful charges on them so you can pay them off every month.

There are members here that will disagree with this approach. I encourage everyone to do your own research into credit repair and form your own opinions.

[aachudneymiles]

too late to boot out of millenium .. i will have to wait a couple more months to cancel the service.

oh, okay . ill try bank of america boa .. orchad ? hmmm i have yet to see they dont charge crazy fees and such like premier !

thanks, catchmeifyoucan

http://www.orchardbank.com/ ... yeah I applied for first pri and as soon as I got the card and term .. I called cancel this card right now.. got to read thoses terms they crazy.

[NOMOREBADCREDIT]

http://www.orchardbank.com/ ... yeah I applied for first pri and as soon as I got the card and term .. I called cancel this card right now.. got to read thoses terms they crazy.

i had orchard the were IIB orchard close my account when they found out i filed bk.

[NOMOREBADCREDIT]

I WOULDNT GO WITH NEW MILL the reason is you pay interest + alot of fees on your own money so while your getting your 600.00 back it is the money you put in that savings and the fees are crazy monthly and annually, you end up paying them to a bunch just to report they are taking your money..
first pri is a rip off they give you a credit line of like 300.00 but charge you 250 in fees then fees monthly.

if your doing secured I would do orcard bank.. my annual fee was 39 and i put my own money in there no monthly..or Bank of americia boa offer me a card secure i put down 100.00 they gave me a credit line of 500.00 no fees

bank of america is there a site for this card.

[aachudneymiles]

What Credit CC's After BK? list is from 04 so good luck .. some places dont have these program anymore some do

--------------------------------------------------------------------------------

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. PFB = Planet FeedBack

STARTER BK CARDS: score bad
1. Household orchard bank- unsecured 300 - 5 mos., score about 560 -

http://www.householdbank.com/hb/Cust...irect=HomePage

3. Orchard - Secured - http://www.orchardbank.com/care/Cust...irect=HomePage
4. American Online Secured Visa -
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.orchardbank.com/care/Cust...irect=HomePage

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.jsphttp://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 - 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 - 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. 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
36. Netbank
37. Discover

Smart Suggestions: [/b][/u][/color]
1) Try Credit Unions for installment loan products

[NOMOREBADCREDIT]

I have been discharge 11/20/07. thanks everyone here for youre help. time for me to start rebuilding but experian will not let me do any disputes experian say they will not dispute the info because it was verified before how can i get around this. also which is a good credit card to get to start with. i got a offer from first premier bank for a platinum master card with 250 limit but 71 dollars is available?

iam having the hardest time with experian they will not let me dispute at all. what can i do. i applied for hooters and was turn down.

[jec]

discharged 11-21-07

my husband got a capital one 1000 limit no fees

[NOMOREBADCREDIT]

my husband got a capital one 1000 limit no fees

Its my experian report thats hurting my scores.