CLM Posted January 13, 2005 Report Share Posted January 13, 2005 It seems like all the work I've done on my CR over the last year is starting to pay off. My scores before I started was eq 492, ex 472 and tu 490 - now with all the help I've received from this forum my scores are now eq 667, ex 605 and tu 597 THANKS FORUM!! I'm not out of the woods yet, as I still have a couple disputes pending and one sticky CA who is threatning to sue. Hopefully they don't respond to my most recent DV ltr.In any event the other day I took a chance and tested the credit waters by applying for an Orchard credit card and I was approved! The interest rates are definitely higher than I expected to pay. But through responsible spending and making payments before the due date to avoid those crazy penalties I just may be on that slow road to recovery. 8) In case you're wondering, they used experian. Link to comment Share on other sites More sharing options...
mikeee1 Posted January 13, 2005 Report Share Posted January 13, 2005 With that high of an EQ score you should sign up for a DCU VISA. They pull only EQ. I got a 3K VISA line at 10.9% with a 655 score and 2 years post BK7. It tales $20 to sign up but worth it. They also refi'd my car for 6.25%. Much better than the 13% I was paying before. Mike Link to comment Share on other sites More sharing options...
miracle Posted January 13, 2005 Report Share Posted January 13, 2005 Awesome job! Yay for CLM!!! Link to comment Share on other sites More sharing options...
bigdaddyroy Posted January 14, 2005 Report Share Posted January 14, 2005 Nice real nice!!! It's good to see the fruits of your labour pay-off. Link to comment Share on other sites More sharing options...
Tourniquet416 Posted January 28, 2005 Report Share Posted January 28, 2005 how long does it take Orchard to approve a secured card?it's been 5 days already. Link to comment Share on other sites More sharing options...
jq26 Posted January 28, 2005 Report Share Posted January 28, 2005 In my experience, it was quick. May I suggest the American Pacific Bank? They are great- I use it for gas only. I applied by mail and received the secured card in about 10 days. They reported it to all three CRAs within a few days. That was my first 3 months ago- then (thanks to this site) I have been accepted for an Orchard Bank unsecured and a Target card unsecured. Link to comment Share on other sites More sharing options...
Tourniquet416 Posted January 28, 2005 Report Share Posted January 28, 2005 if Orchard stiffs me, i'll try that one. i also did First Premier, and another one i can't think of right now, unsecured. Link to comment Share on other sites More sharing options...
edubb007 Posted January 28, 2005 Report Share Posted January 28, 2005 Congrats i had good sucess with Premier, but others will beg to differ. They give you 9.9% and report correctly like they promise.Congrats again! Link to comment Share on other sites More sharing options...
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