PIGGY BACKING:
Get someone who has had a card for years with excellent payments and history. High unused balance on the card helps as well. Get them to put you on the account but send the card to the current cardholder instead of you.
All of the cards history shows up on your credit score. Humans can see this but computers have a hard time with it. Raises your score all most overnight. Banks will tell you it does not work, but it does.

CD LOAN FLIP
Get a 1000 or more, (you can use a cash advance or a payday loan) (payday loans paid back before three days are interest free, payday loans typically do not report to the credit bureau ) you only need it for a day. Put it in the bank in a cd. Then borrow the money back out using the cd as collateral. In Texas they can charge you only 2% difference in what the cd pays and then what the loan interest costs. At the end of a quarter either cash out the cd and pay the 2% to pay off the loan or roll it over by paying the 2% difference. When you do this the credit report reflects a high credit balance given and paid back. You can flip these. By that I mean you could do like I did and take the amount, in my case 10,000$ and put it in one bank in a cd, take it out in a loan, then take that 10k and put it in another bank in a cd, then take it out, etc. I did three banks in Dallas all in a row. Since it was all in one day the loans did not show up on my report that day. No questions were asked. So I flipped it three times, returned the money and then later cashed out the cds at the end of the quarter and paid off the loans.
ZIP CODE TRICK.
I went to a place in Dallas with the most desirable zip code. (highland park) I got a po box. I made this my office address. Instead of saying po box such and such I listed it at 58741 (then street name of the post office as second line) This gave me a desirable zip. I then subscribed to several high profile magazines like the DuPont registry etc. Got on lots of mailing lists and made a very nice computer profile with all the mailings the computer was looking for.

I never lied about my income but soon had around 75k in credit cards available to me. I applied for them using copies of all 3 credit reports I sent them asking them not to make a inquiry in my letter. I asked them to use the copies of the credit reports as the basis for their decision. Some inquired anyway. I got a bunch of cards.
I applied to all kinds of cards all at once so that I would limit inquiries. I asked the ones that had made the inquiries to take them off.

I am looking into the other cards mentioned here just to have more positive items on my credit and try and build it faster. I know it will take more time to build my credit and that is fine I am in this for the long haul. Hopefully I will be able to get approved for an unsecured card with Capital One like some of you did shortly after showing good using and payment history. I am looking into Orchard Bank and Citi just to have another card to split my bills with. I don’t plan on using any of the low limits for purchases just to pay normal monthly bills to get things back going.

Thanks for the post…I will check back for updates and to give mine.

Best of all you only have to deposit $49 Down to get a $200 Credit Line. You have a 25 day grace period to pay the balance. Its a Great way to build credit, while having a credit line. I love the way you dont have to deposit the full a amount of credit they will give to you (unlike all the other secured cars).

Just Apply! Get Approved! Make your deposit, and next thing you know your card arrives.

Big thanks to Capital One for giving people a 1st and 2nd chance at building GREAT CREDIT!!!