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

[HeavenOhio]

He doesn't need a secured card. He simply needs history on the Discover card. There should be something good available when it reaches six months in age. And lots of options will open up once it's reached a year.

In the meantime, Discover has its cashback match, making it a nice card to have during a gardening period.

Which cards has he been denied for?

[gdale6]

Some creditors will run credit with AUs excluded that is an option they have when one apps for credit.

[AverageJoesCredit]

769 thin is not same as 769 thick. In a year after showing good use he should see better results. 87k income opens alot of doors

[Anonymous]

Discover bumped me after 9 mo from 4k to 6800 without a CLI request. Probably ought to hang in there a few months & then ssk if they dont offer

[Anonymous]

Doesn't take much for lenders to filter out the AU accounts from his credit reports and utilize an internal scoring model.

What did the denial letter say in regard to his application? Lack of credit history?

[SouthJamaica]

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@Stugotsv10 wrote:

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

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I don't know why we're all guessing as to possible reasons. What reason was given in the adverse action letter?

[JR_TX]

OP, Discover and Amex are both well known to really cater to thin files especially the younger generations. Make sure his Disco has at least 6 reported payments to the CBs. If so, have him apply for an Amex card. He’ll more than likely get approved! If for some reason, he still gets declined then stop all and any apps. Let his Disco report for at least 12-13 months then go back to Amex again. Secured card is pointless at this time and he definitely doesn’t want those high interest crappy sub-prime cards or useless store cards!
Best of Luck to him and please keep us posted.

[ChargedUp]

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@JR_TX wrote:
OP, Discover and Amex are both well known to really cater to thin files especially the younger generations. Make sure his Disco has at least 6 reported payments to the CBs. If so, have him apply for an Amex card. He’ll more than likely get approved! If for some reason, he still gets declined then stop all and any apps. Let his Disco report for at least 12-13 months then go back to Amex again. Secured card is pointless at this time and he definitely doesn’t want those high interest crappy sub-prime cards or useless store cards!
Best of Luck to him and please keep us posted.

Agreed, and before apping for anything else, has he tried some of the pre-qualification sites like Cap One, Citi, US Bank, etc? These are soft pulls unless you actually apply for a card.

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[Shooting-For-800]

Checked Capital One and Merrick and Amex for prequals?

[HeavenOhio]

@Stugotsv10's friend should just say no to Merrick. And he should only go with Capital One if the card is a good one, i.e. no Platinum and no QuicksilverOne.

When someone starts out with Discover, I think it's generally better if card #2 is a Visa or Mastercard simply because of the acceptance rate. But I think this may be an exception where AMEX might be a good choice when the time comes to apply for a second card.

The last thing he wants to do is grab a card that's a step backward. If he has to wait it out a bit, the wait's going to be worth it in the end. Once some history builds on the Discover card, lenders are going to see him as someone who "needs" more credit.