They seem to like people just out of BK7's, dislike people with a ton of credit even with clean profiles.. Otherwise they are all over the board on whom they approve. Not really inquiry sensitive at all. Best approval chances are > 700 although a ton of exceptions to rule as alot of people get approved with 620's aka BK's or new to credit. They typically pull EQ for most, but have been known to pull TU or Exp for that matter. They are the most unpredictable of any lender on what they look for other than they like to be one of your first cards this is just my take on them.
