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I just got approved for $1250 with Klarna and my Experian was in the 580s at the time; it's a hard pull for sure.
@Anonymouswrote:
That’s crazy. I was denied with a 590. Said I had insufficient credit history. But I have 3 credit accounts. Oh well. I guess I have to wait longer.
It is probably your AAoA that they were saying is insufficent, not the number of accounts.