<prompt> Human: So Ive been helping my youngest sister get her finances in order. Her main goal was to fix her credit since it tanked when she lost her job 5 years ago. Shes had a job for the last 4 years. When she was out of work, she had quite a few delinquencies 5 small student loans totaling about 10k, 2 credit cards charged off and in collections, but she always made sure her mortgage was paid. Fast forward to now and aside from having a secured card 1 store card used responsibly and paid in full, she wanted to apply for a new card since she has held a job for the last 4 years and has been paying everything on time. So we looked over cards and she decided which she thought would be best for her and her usage. She applied for an American Express not sure which card and to my surprise...approved. And with a 10,000 credit limit. She then applied for a Discover and also, approved for a 12,000 limit. She had been tracking her FICO with Discover scorecard and its only 670. A week after her cc approvals, she thought perhaps she could refinance her vehicle to save some money in the long run. The credit union denied her. They pulled her credit with Equifax and it was a 605 score with the following negatives: -serious delinquency or collections filed. -too many accounts with balances. -number of accounts with delinquencies. -number of inquiries adversely affected the credit score she only applied for the 2 credit cards the week before so I dont really get this one. She makes about 45k a year and if her credit is really this bad, how could both Discover and Amex approve her? Im just genuinely kind of stunned here. Lol  <response>: She didnt get an AMEX with her 607 score - she got an AMEX with her 670 score. AMEX pulls FICO8 Experian which is what the Discover Scorecard uses. 