If you know someone who has great credit with low utilization on their card you could ask them to put you on one of their oldest cards as an auth user. It does work. I found that it just works a little too well. I added my 13 yr old so he could go to the mall with his friends instead of mom and he now gets better offers than I do. He actually got offers for both the Amex Green and Gold rewards as well as Discover. Of course I opted him out to prevent the mail from being delivered to the wrong place and the possibility of ID theft. I would try that before applying for revolving credit.
Once that account hits your score you should show improvement. You can try orchard and household to establish. They are good short term but the annual fees make them a loser in my book for the long term. I started with that after BK with a 300.00 limit on Household. Closed it and moved on to bigger and better and just got my first prime card with a limit of 7500, and 2% cash back from HSBC.
It just takes time. I forgot to mention that because I wasn't actively trying to correct and improve my score as recently as one year ago I was in the mid to low 500s. I thought that was as good as it got after BK but thanks to a bunsh of knowledgeable people I learned what I needed to do and increased my score well over 100 points in less than a year's time.
Message Edited by Brammy on
03-13-2007 09:37 PM