[rpr]

No, I think Orchard Bank and Capital One approve almost anyone. Citi is another one (maybe not for long hah). Store credit is easy but only good if they report.

Going the secured credit card way is just a method to build up your credit, especially if you have bad credit since good credit is always better than paid/closed accounts that were negative.

Meaning that I think it'd be better to put $5K in a secured credit card than pay off an old debt for $5K unless they agree to do a Pay for Delete and remove it.