No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Anyone know of any banks that might be able to lend based on this?
Most 2nd mortgages are looking for very good credit and no BK's for 7 years. There is a bank here in California who is approving 2nd mortgages with a BK discharge at the 5 year mark, but not sure who would be doing them just 6 months after a BK discharge. Most 2nd mortgages are looking for 680+ credit scores too, although I know PNC Bank will go down to a 650. You could do an FHA cash out refinance to 85% LTV, but you wouldn't get much cash out as you are already pretty close to that LTV.