They'll pull a FICO and 2 or 3 of the FICO scoring codes deal with new accounts reporting. IMO (and based on IME), it'll be an issue. I first tried with FICOs around 670 but also had 3-4 new accounts reporting inside a year. I was denied with that pyramiding comment they used to give out (or still do) which refers to adding new accounts to lower util. I tried again with FICOs around 750 and was denied. I had 0 inquiries but did have 2 new TLs reporting. Was denied due to new accounts, though they did approve me for their OD LOC (Thrift?).