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Have your friend see about joining Navy Fed (if not already a member). They are great and once you have a solid relationship with them you're golden. I had lower 600 FICO when I joined and app'd for one of their credit cards. Was approved for $1,000 unsecured. Couple months later app'd for another card when my score went up and was approved for $5,000. Great customer service as well.
Starting Score: 7/12/11 TU 584 EQ 541
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
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