Top Ten Creditors to Have an Open and Active Credit Account

1. YOUR FRIENDLY NEIGHBORHOOD CREDIT UNION AND IN HOUSTON, WE RECOMMEND THE FOLLOWING:  Primeway FCU, First Service CU, First Community CU, Members Choice CU. 
2. CITIBANK AND ALL ITS AFFILIATES LIKE CITI FINANCIAL/ They easily forgive late payments and encourage good credit scores by their very helpful attitudes toward their clients.  Getting credit limits increased is an easy process if the credit history is justified.  Just an overall good company!  Also community banks are an excellent resource.
3. CHASE MANHATTAN BANK/ They provide every level of customer service to their clients and easily encourage good scores.  They sometimes will forgive 30 day payments after 6 months of on time payments.  Easy to get limits raised within reason!
4. USAA BANK/ They are an excellent financial institution, but they only offer credit accounts to those in the military family.  This is a good company with very high value credit accounts that help your credit scores.
5. WACHOVIA/ WORLD SAVINGS/ Another fabulous financial institution that is good for mortgage loans and credit cards.  They offer some of the best customer services available today to help their clients through any financial shortfalls.  They can be trusted to protect your credit scores when ever possible.
6. STAR FURNITURE/ This furniture store is a Houston trademark for selling fine furniture and offering affordable financing.  They provide installment accounts for appliances and furniture to those who possess the credit requirements.  Those requirements are not unreasonable.  In an age when revolving accounts are the trend, this company offers the more affordable financing available for installment loans.  They also forgive most 30 day late payments.  This is a superb creditor.
7. HOMECOMING FINANCIAL MORTGAGE/ This is a really fine lender that is sympathetic to your credit situation.  They also work with you and can be trusted.
8. WELLS FARGO, WELLS FARGO FINANCIAL AND WELLS FARGO MORTGAGE/ This national financial institution is dependable and always reputable.  They are not out to harm your scores, but do expect payments in a timely manner.  They are also understanding and willing to work for their clients without jacking up the rates.  This is a fine American financial organization that deserves credit for their current policies.  They are reasonable when forgiving late payments and are generally willing to work things out.
9. FORD MOTOR CREDIT/ Out of the top 3 automotive companies in American and worldwide, this is the best.  They forgive late payments, but are tough on repossessions as they should be.  This is a premier automotive finance organization with reasonable expectations for buyers. 
10. CONNS APPLIANCES/ Another local company who prides themselves in offer credit to most people who show some willingness to pay as agreed.  They offer installment accounts for appliances where others offer the more costly revolving accounts.  They forgive some late payments if you have demonstrated it was just an oversight.  Even those with poor credit scores from the past, they will accept deposits on items to establish new credit accounts.  Please pay these folks as they want to help your credit scores!

HONORABLE MENTION:  TARGET DEPARTMENT STORES AND MACYS.

This report provided by www.HoustonBusinessShow.com and www.CreditRestoreInc.com.  Written by Calvin Brown, CEO of Credit Restore, Inc..  Call 281.921.4500 for more information.