Started with secured credit union card. IF you get an offer from legacy visa (first national bank, not FNBO), take it. They are the much friendlier version of a rebuilder than credit one or first premier, but I didn't get that offer till the CU card was 8 months old. They do have that 75 annual fee, and 29.99 interest, but they do have the normal grace periods, cli's for FREE every 6 months. They are only a rebuilder, and will admit that. If your credit grows (which most folks here do), then they are meant for the chopping block.
Agree with add on of quicksilver.
If you have the time, just open up one or two secured cards to start, while working on cleaning up the credit reports (this presumes most of your baddies are 5 to 6 years old, and/or medical). While disputing, and waiting for things to fall off, you should get an invite from the first national bank folks. Take it.
Just put a monthly auto charge on it, and use your other secured cards normally. When you up to 600 or close, try for the cap one quicksilver, you should be close to having the baddies all gone, and only some medical debt that is easy to PFD.
Signature needs updating
