THIN file

[Schwartzinator]

I too had only a single card with little history when I applied for the BCE and the Discover it (however, I didn't need to provide any additional information), each was an instant approval and on the same day to boot; it might be important to note that I was also declined by Barclays, though it was several months earlier.  

[newhis]

---

@Creditaddict wrote:

Sorry here is complete list and this stems from a sudden divorce is why the need for credit in a big short term hurry:

Capital One - Pending, Next day they emailed for copy of social security card (trying to locate)USAA - Declined (opened new checking account and started credit monitoring)

USAA - Declined (opened new checking account and started credit monitoring)

1 Account reporting (credit one, I believe 11 months) $1k balance on $1150 limit

1 inq.

low 700 score.

Amex Blue - Decline

Amex Gold Charge - Decline

Discover - "call us" Approved $1500 pending social and address verification. (so far not accepting the address verification as bank accounts were just changed address... I sent last months statement showing account number but old address and then screen shot the home screen with account number and new address listed... they said the screen shot didn't have a date! I'm working on that but again need to find the social card anyway (Monday!)

Barclay - pending... Called... Declined... Recon... Perfect pay history but only 1 card.. "why 1 card when you say you have worked for 7 years" (didn't realize how important credit was until now... blah blah blah... sorry we want to see a few more accounts before we will approve! UGH I just hate barclay... they hate new accounts but don't like to few... whatever.

Applied for Navy Membership (pending) If navy goes through then I wouldn't have him apply elsewhere and take navy, cap1, discover and CLOSE Credit One and BT.

Otherwise, Might try Citi as I feel like they give cards out to no score many times.

---

I guess the Amex declines were for the util on the only card. I think 1000/1150 doesn't look good.

Congrats on getting other cards.

I guess the score will go up now that the util will go down. Good luck.

[Anonymous]

Creditaddict...any updates??? 

[Creditaddict]

Discover is approved still waiting capital one verification and navy verification to open checking

[Anonymous]

Nice....good job on helping a friend in need of help.Can't wait to hear more on the rebuilding your doing on their fico 😃

[Anonymous]

Hey CA, this is my journey from when I was 18 till now, 19. Hope it helps. 

http://ficoforums.myfico.com/t5/General-Credit-Topics/A-19-year-old-s-1-year-anniversary-on-myFICO-O...

[Anonymous]

Schwartzinator thats bizzar lol.  i was in the exact same situation and approved with both cards (bce +discover IT) and was also declined by barclays(too many inquires and thin file).  Amex is for sure not inquiry sensative.  i had only had my secured IT card for about 4 months and 1 installment loan(car)....when everyone else said no amex said yes go figure :-)