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Ronalddog

CREDIT CARDS THAT REPORT TO ALL THREE CRAs.

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My Direct Merchants Bank card reports to all three.

It started out as a secured account but was "graduated" to a regular account after about a year of good activity.

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American Pacific Bank reports to all three.

If you need a secured card, they report their secured card as a normal revolving credit line.

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My Direct Merchants Bank card does report to all three now, but I had to make a formal request because when I first found this board, I saw tht they weren't reporting. I had had the card for over 3 YEARS! So, be careful!

Also, make sure your name reads exactly the same on your accts and your reports. Mine didn't and EX was not picking up some of my cards until I corrected it.

Good luck! :D

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Originally posted by NanaC

BK FRIENDLY CREDITORS

Compiled by NanaC

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.

STARTER BK CARDS: score bad.

1. Household - unsecured 300 - 5 mos., score about 560 ( www.householdbank.com/hb/CustomerCa...direct=HomePage )

2. Cap1 - Secured and Unsecured ( www.capitalone.com )

3. Orchard - Secured ( www.orchardbank.com/care/CustomerCa...direct=HomePage )

4. 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. Orchard - unsecured $500 ( www.orchardbank.com/care/CustomerCa...direct=HomePage )

3. Target Guest Card- unsecured 200 (target.com/common/financialservices/apply_online.jhtml)

4. 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. 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. 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 - $1000, about 650 FICO (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.nordstrom.com )

6. First N.A. Nat. Bank - 3 years (www.fnanb.com)

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/...id=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 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. Robinson's May (a-holes)

30. Shell (No BKs)

31. Chevron

Smart Suggestions:

1) Try Credit Unions

2) Ford is BK friendly

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