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No. of Recommendations: 12
What ones would people suggest? My scores are 761 (TransUnion), 702 (Equifax), and 621 (Experian).

Wait - now you want a credit card from those 'usurious' lenders who refused to work with you and jerked you around? After you executed your plan to buy a car and default on the credit card debt that you already owed, because you couldn't afford payments on both the credit cards and the new car? And you have declared in the past that "the only thing I need to buy on credit in the future is a car", but you now want a credit card again?

Ahh, the irony....

The first thing I would suggest is that you cross off any lender that's ever written off your debt and/or you've settled with. That's because you are unlikely to be issued a new account from one of those lenders without actually paying off the entire previous debt.

Then, as Fuskie suggested, it's not really the credit card that helps you build credit - it's your use of it. So, just find a lender who will issue you a card, and then use it responsibly - use it for small purchases (never allow the balance in any month to be more than 10% of the allowed credit limit) every few months and pay it off in full and on time every single billing cycle, in order to improve your credit. Initially, you will take hits from the credit inquiry and the new account, so your score will likely drop at first. But as you continue to use the card responsibly, your credit score should increase.

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