769 score can't even get the lowest of credit cards

[Stugotsv10]

so how is this possible? my GF's brother asked me for credit help, I check his scores and say "769 you don't need help lol"

long and short of it is, he has been on his dads credit card for 16 years and has 1 discover of his own (less then 1 year) so he has a great score, long "history" 

so if he can't even get a kohls card how can he build primary credit? 

hard to believe he can't even get a darn fingerhut lol

[GApeachy]

Have you pulled all 3 of his reports from the 3 cb's?  If not, do....there could be something lurking.  What about his income and all that good stuff? Also, what about all of his FICO scores? What are they and are they from the 3 cb's???

Edit to add:  check how many inquires he has too....double check to make sure no one else is app'ing off him.

[Stugotsv10]

yes Fico on all 3, they are all VERY close in score (few points off) and nothing odd there.

income is decent 87k a year 

[Stugotsv10]

2 inquires on Experian 1 on EQ and 1 on TU

[GApeachy]

You're quick...I added about looking into his inquires as well.  Make sure there's nothing going on like Identity Theft and such.

[GApeachy]

Has he had his job for awhile?  idk, it seems odd indeed.  

[Stugotsv10]

Did experian ID theft it was all clear (and he has not noticed anything funny)  job wise I think 7 years or so or close too it

[GApeachy]

? about his Discover.  What's his cl and utilization?  What kind of card is it? Secured/unSecured?

[Trudy]

Hey Stugotsv10,

It may be due to the score the creditor has pulled; FICO Bankcard (a number of versions could be used - 4, 8, 9).  Also, even though he has a good age of account due to AU status, they may recgonize his credit history is only showing 1 card of his own at less than a year.

Has he pulled all scores/models to investigate or asked the creditor which score they're using?

[Stugotsv10]

unsecured $0 balance