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chris_2000_4u said: "I am woindering since most everyone here has had a bad credit score at one time or another what credit card should I apply for or what did you have the best luck with in helping rebuild? My scores are in the low 500's with 2 Crap Ones, 1 Providian & 1 Citi card that are on my file as charge offs. I am disputing 2 of them right now to get them removed. I do not have any good items except for Equifax and I want to start getting atleast 1 good item reporting to start bringing these scores back up. Any help is greatly appreciated! Thanks"

credit_card_collector said: "Well I would go for a secured credit card if you can afford it, join a credit union and get one that way, eventually they will upgrade you to unsecured. If you are unable to afford a secured card just stay away from First Premier and Centennial bank, they charge unreal fees. I would suggest Household Bank (no fees) or Orchard Bank ($79 per year) for a first try. Do not forget every card you apply for will add inquiries to your credit file and lower your score. [url]www.householdbank.com[/url] [url]www.orchardbank.com[/url] Choose one, do not do both, they are both HSBC products and if you get declined on one the fate would probably be the same on the other. I prefer Householdbank myself. USE THE LINK IN THE POST BELOW."

credit_card_collector said: "Try this product from HSBC this will take one application and suggest the Household Bank or Orchard Bank card that best fits your credit and you, this way you can apply for all of their cards with one credit pull. :) [url]https://www.orchardbank.com/hcs/hcsapplication?pf=PLApply&media=O1AG05I_1002221f20066a03700107c8588554[/url]"

credit_card_collector said: "Here is why I hate First Premier / Centennial Bank same company btw. [url]http://www.creditcards.com/First-Premier-Terms&Conditions.php[/url]"

94B10 said: "I agree I was able to get first premier and orchard bank. I like orchard better. Household is even better if you can get. First Premier's fees are outrageous but I needed it to start rebuilding. I promise myself I wouldn't use more than 30 percent of the balance, that way I know I can pay it. Don't want to go down that path again. Good Luck :)"

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