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06-13-2012 11:48 PM
06-14-2012 06:06 AM
Hi When I got my card from them it was Unsecured with a credit limit of $500 which went up to750 after about 5 Months or so. I also did the prequalification application, and believe that it will recommend a card even if it is the secured card. I think it is worth using the prequalifier, it leaves no hard pulls on my credit report. It will recommend a card for you to apply for just go with that. Credit limits very some as low as $300 which will increase to $500 after a few months and I have seen some people get $2000 credit limits. I have found it a great rebuilder card. Good Luck.
Thank you for the detailed information, so far I am definitely leaning towards C1.
06-14-2012 06:22 AM
I have it posted as a new thread entirely and no one has responded... I've been browsing through all the boards searching for answers and stumbled upon this, so thought I'd give it a try. Thanks again, I do appreciate!
06-21-2012 09:06 PM
I am kind of following your advice. However, I started this process because I got an offer from Capital One 5 months post bankruptcy. That is my first credit card. I then proceeded to open an account at a local credit union and opened a credit builder loan about 2 days ago. So should I be applying for an orchard bank card or stay with the cap1 and apply for the next card in your roadmap? I am afraid of applying, getting denied and lowering my already low scores....
Thanks for your help.
06-22-2012 11:23 AM
Getting jealous, DW just got a MyFico score update of 662 EQ. That is 2 months after discharge. There is hope
06-22-2012 01:40 PM
If you read above, you'll see that Orchard Bank doesn't exist anymore. I'm almost done with my research/recommendation on another option and I'm hoping to update the OP this weekend.
06-22-2012 11:30 PM
Thanks SM - Looking forward to your update.
06-28-2012 08:57 PM
I ended up applying and getting approved for Credit One Bank card. I will be treating it as my Orchard bank card. Saw mixed reviews on this card but figure I'll close it at 11 months anyways.....
07-02-2012 10:14 AM
Is it possible to get a 700 before 24 months? Also, is it true that BK filers rebucketed and our scores are compared to others that have filed?
Had to bump up my Goal Score, Moving on up
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