THIN file

[Creditaddict]

friend has 1 account and a credit score but Amex was instant denial, Barclay denial...

Cap1 and Discover are approved pending some docs but anyone else like new credit? citi? bofa?

[wasCB14]

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@Creditaddict wrote:

friend has 1 account and a credit score but Amex was instant denial, Barclay denial...

Cap1 and Discover are approved pending some docs but anyone else like new credit? citi? bofa?

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Citi probably won't like that many recent inquiries. I've heard they have some sort of rule about declining people who have very recent inquiries, but as "spacer" rather than a "spreer" I've never cared enough to fully investigate.

[Anonymous]

Honestly if they dont have a card in mind that they want they probably shouldnt apply for any more cards. Three accounts should be good for now to boost your friends credit. But if they really want more to build right now and they are under the 5/24 rule they could try the chase freedom. DH was approved with 5 months total credit history and only 2 cards reporting, so it is possible. I would check the prequal first. Generally chase is pretty good about their prequals being legit. Especially if they list an interest rate and not just the variable rate. Just keep in mind that a prequal isnt a promise of approval.

[Anonymous]

Uhmmm....for $#!*s&giggles ....


Creditaddict- did you try CK app???

[Creditaddict]

Ck?

[Anonymous]

Credit Karma

[Anonymous]

credit karma

[Anonymous]

So far 3 and O with (ME)😃

[Anonymous]

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@Creditaddict wrote:

friend has 1 account and a credit score but Amex was instant denial, Barclay denial...

Cap1 and Discover are approved pending some docs but anyone else like new credit? citi? bofa?

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Chase is generally open to new borrowers. It's people with lots of new accounts that they don't want. 

AmEx denial is a little surprising! They generally seem fine with thin files. Which card was it?

[Creditaddict]

Amex was super surprise to me!
When I saw 1 account 10 month history and faco 740 I was Amex!!!
When blue was denied i was surely charge... declined!