OpenSky Secure Card

[Anonymous]

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@jmitch190 wrote:

@Anonymous I would love to get a secured Capital One or their "rebuilding" card but I have an unpaid charge off dating back to 2012. It has dropped from my EQ and TR, but still has EXP reporting. My scores are between 485 and 530. I have a few problems on Chexsystems so some of the great options on this board are limited. I hope that helps.

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Cap One only has a twelve month blackout for charged off accounts. Yours is well past that. If its still reporting a balance then you should settle it.

[Anonymous]

Does anyone have a link to the "Application" for the Cap One Rebuilder card?

[Anonymous]

Here is the link, but another member mentioned that the online app is not working so you would need to call to apply.

https://www.capitalone.com/credit-cards/credit-builder-program/?Log=1&EventType=Link&ComponentType=T...

[Anonymous]

I recommend Open Sky. They don't hold payments @ all. Trust me, I know. They were my first Rebuild, and I've had them for almost 2 years.
If you know how to go online and set up a Bill payment using your bank account, then you're good to go.

You can either draft a payment from your bank account website or from openskycc.com (using the routing and acct #). It is easy and fast and there is no holding of any payments.
I'm not sure why someone would mail in a payment, when we are in the 21st century.

[Anonymous]

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@Anonymous wrote:
@I recommend Open Sky. They don't hold payments @ all. Trust me, I know. They were my first Rebuild, and I've had them for almost 2 years.
If you know how to go online and set up a Bill payment using your bank account, then you're good to go.

You can either draft a payment from your bank account website or from openskycc.com (using the routing and acct #). It is easy and fast and there is no holding of any payments.
I'm not sure why someone would mail in a payment, when we are in the 21st century.

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I can't remember the last time I mailed a payment in, to be honest.

[Anonymous]

^^ I agree.  I don't even know the going rate of a stamp these days!