I thought this would be helpful here since they are creditors that will approve you with a BK.
I found this information on several different sites.....so I just went ahead and brought it over here so that we would have it for anyone looking into building credit after bk (or building credit with very poor scores).
STARTER BK CARDS: score bad
1. Household - unsecured 300 - 5 mos., score about 560 -
Household Bank
2. Cap1 - Secured and Unsecured -
Capital One Credit Cards
3. Orchard - Secured -
Orchard Bank Credit Card Application
4. Mazda (Ford) - 1 day post BK13 - auto loan
5. Kay Jewelers - $2000 -
Jewelry from Kay Jewelers 6 MOS - 1 YEAR REBUILDING CREDIT: score low 600s
1. Cap1 - unsecured gold 500 -
Capital One Credit Cards
2. Orchard - unsecured $500 -
3. Target Guest Card- unsecured 200 -
https://redcard.target.com/ic/flow.d...B-F956082ED648
4. First Premier - $200 -
Welcome to First PREMIER Bank
5. Citifinancial Mortgage - 6 mths post - 9% -
Personal Loans, Online Loans, Debt Consolidation Loans, Home Equity Loans
6. Raymour and Flanigan Furniture - no URL available
1-2 YEARS REBUILDING: score mid 600s
1. AT&T Wireless - No deposit -
Cell Phones and cell phone plans - | Wireless from AT&T, formerly Cingular
2. Cap1 Platinum - unsecured 5000. Yes, platinum. started w/regular card and negotiated credit line to platinum. (Wow!) -
Capital One Credit Cards
3. Cross Country Bank Visa - unsecured - $300, then $600, then $1250 over time. * -
Applied Bank
4. Cross Country Bank MC - unsecured - $350 * -
Applied Bank
5. Dillards - unsecured - $500 -
6. Western Security Bank - secured -
www.westernsecuritybank.com
7. Direct Merchants Bank $1001 (Semi-secured) - Pre-approved mailings only -
Direct Merchants Bank Home
8. Sprint PCS - $200 Assigned Spending Limit -
Cell Phones, Mobile Phones, and Wireless Calling Plans from Sprint
9. Newport News/Spiegals/Eddie Bauer -
Women's Clothing including Swimwear, Shoes and Accessories at Spiegel.com
10. Merrick Bank - $1000 -
http://www.merrickbank.com/
2+ Years Rebuilding: score low to mid 600's:
1. T Mobile - No deposit -
Unsupported Browser
2. Nordstrom - suggest not applying on-line -
Nordstrom: Designer Collections and Top Apparel, Shoe and Beauty Brands
3. Citibank MC- will consider (reconsider) post-7 years, usual initial denial -
https://www.citicards.com
4. Nextel - must be 7 years post BK, no dep. -
Sprint:
5. Exxon - 4 years -
EXXON
6. Home Depot - 4 years -
www.homedepot.com **
7. Bloomingdales - 3 years -
Shop Bloomingdales.com
8. Verizon - no deposit -
New Cell Phones, CPO Cell Phones, Prepaid Cell Phones, Cell Phone Plans - Verizon Wireless
9.Mervyn's ** -
Mervyns.com
10. Target Visa - mid 600's required -
Welcome to Target
11. Lowes - 3+ years -
Lowe's Home Improvement: Buy Kitchen Cabinets, Paint, Appliances & Flooring
12. Wescom Credit Union - 5+ years -
www.wescom.org
13. First Nationwide Mortgage - 5 years -
CitiMortgage.com – Home Mortgage Company – Home Loan – Mortgage Refinancing
14. Dell - $1500 - 5+ years -
Dell Laptops, Desktop Computers, Monitors, Printers & PC Accessories
15. Nissan Lease - 6+ years
Nissan Vehicle Financing, Loan Options, Student Programs - Nissan USA
16. Phillips 66 - 7.5 years -
ConocoPhillips
17. Ford Credit - 5 years -
Ford Credit Vehicle Financing
18. Diamond Shamrock - 6.5 yrs -
Valero Home Page
19. Menard's Big Card (Conseco) - $3000 - 5+ years -
Menards.com - Home
20. Capital One Auto Finance -14 % interest, score approximately 650 -
Auto Loans - Capital One Auto Loans, Car Loans and Auto Financing
21. JCB Card - CE642 -
JCB International Credit Card CO., LTD.
22. Union Plus - originally denied, reconsidered and approved via PFB -
Union Plus Credit Card Homepage
23. JCPenney - 4 years, 7 months post bk7 -
JCPenney
24. BOFA Alaskan Airlines - 5 years, 3 months post bk, approved upon reconsideration -
www.bofa.com
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.
I had to edit and delete a bunch of the links.
If there are any broken links that I missed, please let me know.
Also.....if anyone has anything to add or has any personal experience from any of the creditors above.......please don't hesitate to add to this list or give your comments.