It's my understanding that OpenSky does a SP only and it seems like that may work for her. More experienced folks may have others they recommend, but I'd look into that one for sure.
One of the national credit unions does a soft pull, but I think you have to join, fund an account and then call about a secured card. Sorry, can't remember the name. I wouldn't worry about a hard pull during the early stages of rebuilding. The positive affects to your score once you open your first three bank credit cards far outweigh the small hit for the hard pulls. I have three secured cards and they all did hard pulls. CapOne did a hard pull of all three bureaus. It was worth it. My score went up and I got unsecured cards inside of six months of opening the secured ones.
Open Sky is a good one for no credit checks. SDFCU is great, but has a small hoop (donation to association) to join.
If her baddie is WITH CapitalOne, and is more than a year old, she may very likely be able to get a secured card with them.
I have two, maybe three Charge Offs with them from a couple years ago and got a secured card in Late February, and then pre-approved for two QS1 cards in MARCH - all with unpaid charge-offs (which have since been paid...)
I have 2 baddies with CapOne.... I just applied for a secured card they approved me with a $200 deposit. Give it a shot.
