You might try Orchard Bank. They're pretty lenient -- and less expensive than say, First Premier. You also stand a better chance of CLI with Orchard, than you would with First Premier. Also, though I stand a bit baffled about this one, you might try Washington Mutual. My husband received a Wamu ESPN, recently, with a $2000 limit and scores under 600. His highest, I believe, was 592. His lowest 548. He has 2 collections on his reports and a couple of late pay accounts. He likes to charge up stuff and then not pay -- please don't do this!!! Use the card to build a sound payment history. That is key! This is the third time I've been hardpressed to get his credit cleaned up.
Also, don't pay your charge off without an attempt at a PFD. My own experience with a charge off has been a nightmare! If only I knew then, when I paid it, all that I know now, thanks to so many in this forum.
Heed the wise advice in here -- should you get a card. Keep the balance low -- between 1-9%. Pay particular attention to Tuscani and Noah_Bodie's posts on this. I wish you well!
:-mercy
Message Edited by MercyMe on
06-23-2007 07:23 AM