"Approved "
Orchard Bank® Gold MasterCard® Review
Written by: louise on 2008-02-03
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
louise's review: 
At the time of approval, my FICO score was 650; considering I'm rebounding from BK (Discharged June 2006), it's a great start for improving my credit.
At the time of approval, my FICO score was 650; considering I'm rebounding from BK (Discharged June 2006), it's a great start for improving my credit.
6 Comments
Comment 1 by arod
GOOD LUCK 
on 2008-02-03
Im glad you decided to repair your credit since we need it for just about everything.
later maybe in about a year also try capitalone.com
take care,
Alex
on 2008-02-03 Im glad you decided to repair your credit since we need it for just about everything.later maybe in about a year also try capitalone.com
take care,
Alex
Comment 2 by meya
Way To Go on 2008-02-03
You will be back in the credit game in no time, stick with us and you will see. I agree, cap1 should be your next card to apply for.
on 2008-02-03 You will be back in the credit game in no time, stick with us and you will see. I agree, cap1 should be your next card to apply for.
Comment 3 by hjm331
Congrats! on 2008-02-03
Good card to help you rebuild your credit. What was the limit they approved you for?
on 2008-02-03 Good card to help you rebuild your credit. What was the limit they approved you for?
Comment 4 by porgy1000
Credit Score on 2008-02-04
Where are you getting your 650 credit score from? Which site? It may be a FAKE score and NOT your real FICO score that the banks actually use.
on 2008-02-04 Where are you getting your 650 credit score from? Which site? It may be a FAKE score and NOT your real FICO score that the banks actually use.
Comment 5 by louise
FICO Score Porgy Comment on 2008-02-04
My Fico Score was generated by Transunion... It's not a fake. One reason my credit score is not in the 400s or 500s is because I paid off a BMW... I have paid off students loans and I have a few student loans left in which I have been paying on a timely basis... B/c students loans are considered installment loans on a long term basis, I have an excellent long-term payment history (no defaulted loans) which does account for something despite the Bk... I know ppl who have filed for BK and within 2-3 years have receive non-sub-prime lender rates and credit scores in the 700s...
on 2008-02-04 My Fico Score was generated by Transunion... It's not a fake. One reason my credit score is not in the 400s or 500s is because I paid off a BMW... I have paid off students loans and I have a few student loans left in which I have been paying on a timely basis... B/c students loans are considered installment loans on a long term basis, I have an excellent long-term payment history (no defaulted loans) which does account for something despite the Bk... I know ppl who have filed for BK and within 2-3 years have receive non-sub-prime lender rates and credit scores in the 700s...
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Disclaimer: This content is not provided by Capital One Bank (USA), N.A.. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One Bank (USA), N.A.. Review content is powered by Finance Globe.
