@bichonmom wrote:
You might want to talk to some local CUs. They are often more flexible and user-friendly than banks. They should be able to give you *some* idea before pulling your credit if you could get a secured card with them.
+1 My CU was VERY supportive of my quest to rebuild my credit. It's best if you have a decent relationship - established checking/savings. I got a quick loan from them, and paid it on time, in full, a few years back. I've been with them for 8 years, and they approved a $500 Visa (unsecured), with no annual fee, and a good interest rate. I didn't think they would give it to me. I would have probably passed on the Orchard Bank unsecured card, if I'd known they were so willing to work with me.
Credit Rebuild Start Date (3/12)
Oakland County CU Visa ($500) | Capital One Quick Silver One ($600) | Capital One Secured MC ($200) | Walmart ($1600) | PayPal Credit ($1000) | Jared ($3500) | Victoria's Secret ($850) | Gettington ($3500) | Amazon Store Card ($850) | NewEgg Preferred ($2400) | Discover IT ($1500) | Dillard's AMEX ($1500) Target ($1500) | Overstock Store Card ($1200) | Kohl's ($1500) | Old Navy ($650) | Macy's Store Card ($800) | The Limited ($350)
Starting Score: 0