instant unsecured personal loans

Should I take the OPTIMA card? It's in my nature to not trust a collection agent so I'ma bit wary of their offer.
Pam warned me about this though, cause later on down the road I may have a problem activating my shiny new red Target card.
Then have the mortgage company rapid rescore it for 25 dollars for each credit bureau that is reporting it.
the only problem i can see is if in fact it is listed in BK it was listed under the lawyer that was collecting not the OC is this a big problem.