Opinions on where to apply for a credit card?

[LShan82]

Here is my credit info, and I was told to wait, but I want my own credit card for emergencies only.  With my scores and history, in your opinoin, any idea on where I should apply? 

Transunion 683 Lender pulled 681

Credit history 15 years

Accounts 9

Accounts with balances 2

Accounts opened in past year 0

Recent inquiries 1

Collections 2

Public records 2

Bloomingdales Dept opened 2/2011 paid as agreed  limit $100 30 days late 4/11

Comentiy Bank/Lnbryant opened 12/10 paid as agreed limit $300

Discover 1/2012  bal 2156 paid as agreed

Universal 1/2013 bal $1897 paid as agreed

Lane Bryant Retail/Soa 6/2002 paid as agreed limit $100 30 days late 9/09 6/09 60 days 10/09 DOLA 1/10

School loan- paid as agreed-transferred to another account (probably fed loan)

BMO Harris bank opened 9/1997 $0 balance paid as agreed (auto loan) no lates

Comenity Bank/LnBryant Lmit #300.00 paid as agreed DOLA 2/13

Inquiry

5/13 Credit union

Collections

Merchants CR balance $257 date assigned  3/11

Merchants CR balance $795 date assigned 3/11

Public Records

Civil Judgments

Discover amt $1929 date filed and reported 7/2006

Davis amt $1467 date filed/reported 1/08

Experian  652

Credit history 18 years.

Revolving accounts $4234

Mortg None
installment loans $1052

Accounts 16

Balances 4

Opened in past year 0

Recent inquiries 0

Collections 0

Public records 1

Comenity/Bnbryant opened 6/02 account transferred to another office

HSBC/RS date opened 3/2001 good standing limit $530 transferred to another lender (I HAVE NO IDEA WHAT THIS IS) DOLA 7/05

Comenity/Lnbryant date opened 6/02 current account was delinquent 60 days past due 11/09 30 7/09 and 10/09

Comenity/Lnbryant SOA date opened 6/02 current account was delinquent 60 days past due 11/09 30 7/09 and 10/09

Lord&Taylor DOLA 9/27 closed by consumer  acct paid satisfactorily DOLA 9/07

BLmsdsnb  limit $100 30 days late once but it does not provide date.

Comenity/Lnbryant limit $300 date opened 12/10 good standing

Discover 1/2002 balance $2337 good standing

Citi 1/2003 balance $1897 good standing

ED Loans say transferred to another office.  (fed loans)

Merchants 3/11 date opened  $795  serious delinquency

Merchants 3/11 date opened $257 serious delinquency

 BMO Harris date opened 9/97 account paid satisfactorily (1st auto loan)

Collections 0

Inquiries 0

Public Records

Davis date filed 1/08 $1467

Equifax 701 18 years No accounts past due $ accounts with negative indicators.

Accounts 11 2 with a balance 0 opened in last year 2 inquiries 0 collections 0 inquiries

Bloom date opened 2/11 balanc 0 pays as agreed 30 days 4/11 limit $100

CB/Lnbryant date opened 6/2012 DOLA 1/10pays as agreed closed by credit grantor 30 11/09 8/09 6012/09

CB/Lnbryant date opened 12/10 balance $0 pays as agreed limit $300

Citi date opened 1/03 bal $1897 pay as agreed

Discover date opened 1/2002  balance $2156 pays as agreed

Lanebryant opened 6/02 bal $0 pays as agreed  30 days 9/09 6/09 60 days 10/09

Us dep Ed pays as agreed

BMO Harris 9/97 $0 pays as agreed  no lates paid off (auto loan )

Inquiries

2 credit unions5/13 4/13

Collections 0

Public records 0

[chnceit]

With your collections and public records it will be very hard to get the cards you want. Time will heal your file and scores. Pay your balances down and get out of debt.

If you "need" a card and seeing there is no collections or public records on your EQ find a lender who pulls EQ. But its going to be very tough and you probably might get a high APR and low limit.

[LShan82]

OK OK, I'll wait. LOL  I am about to dispute the public records b/c the info on them is incorrect.