My scores were in the mid 650's. At that time i only had 2 secured cards (WF and CapOne)
I had 0 UTL at that time and only 8 months of history.
No baddies just a thin file.
I had applied for it before but was denied even for recon for the exact same reason - short history.
Guess i was just lucky for approval.
If it helps i'm only 19 and a part time student.
They must love you or you had a checking account with them for a long time. I only have two acounts that reported, one had ten months of history and the other one only had one month of history if it makes a deference.