Repo

[Anonymous]

I had a repossession and a charge off(Capital 1) in early 2003. I have not had a problem getting a car loan(albeit a high interest rate till I can refi) but getting a credit card besides Target(CL $500) is proving impossible.

My question is, what is the best way to rebuild credit when it seems that a creditor sees a repo and it is an instant reject?

Also does the repo ever get treated as 'old' issue or will it impact me until 2010 at the same level as it did in 03, and seems to now?

[CreditDrama85]

try capital one's "needs improvement" card or apply for a secured credit card....

you probably shouldnt waste your time w/ first premier, orchard/hsbc, credit one.

[Anonymous]

 Have you try Orchard bank ?? they are good  BTW  . ,and try to stay away from first premier bank .

 they will charge you alot of fee like application fee ,monthly fee,annual fee,..................

Good luck .