I have a Wells Fargo Financial CC. I received it about 15 months ago, I don't know what my FICO was but all my FAKO's were in the high 500's. They did a manual review and approved me within 5 hours of applying. I received a 1,000 credit limit and after 12 months they automatically increased me to 2,500. At the time of applying I only had 1 CC with a 500 cl, with no lates. I had 2 collections, both paid, 2 CO's also paid, and a few lates on a student loan. They pulled TU.