SOCIALISM

They use a variation of FICO in most cases, but then they average your 3 scores. The score in this site is not a "mortgage score" Banks use different calculations for different types of credit approval auto vs. credit card for example.

The number of simulator or different reported items from TransUnion and Experian are usually to blame. Not all banks report to all major bureaus (Innovis is the 4th). Ex: only 20% of Experian shows on my Equifax. Only 80% of TransUnion shows on Experian. So there is a huge difference in scores.

CREDIT APPROVAL IS BASED ON MORE THAN JUST A SCORE, CONSIDER YOUR OTHER FACTORS LIKE TIME AT RESIDENCE OR EMPLOYER, DTI, AND BANKCARD UTILIZATION.

DO YOU HAVE A HIGH DTI (DEBT TO INCIOME RATION)

INQUIRY AND RECENT OPEN ACCOUNT INITIALLY LOWER SCORE.
YOU MAY WANT TO TRY A INSTALLMENT LOAN FOR $1200 TO PAY OFF THE CURRENT REVOLVING ACCOUNTS.

WAIT AT LEAST 6 MONTHS BEFORE TRYING TO OPEN ANOTHER ACCOUNT. HOWEVER THE SCORE INCREASE FROM THIS CARD DEPENDS ON MANY FACTORS FROM CREDIT LIMIT TO CREDIT BALANCE. BUT YOU SHOULD SEE A POSITIVE INCREASE WITHIN ABOUT 3 MONTHS.
JUST TRY TO KEEP THE BALANCE BELOW 20%, AND IN 6 MONTHS YOU MAY DESIRE TO REQUEST A CREDIT LINE INCREASE RATHER THAN OPEN A SECOND ACCOUNT.
PERHAPS A INSTALLMENT OR AUTO LOAN SHOULD BE CONSIDERED FOR A SECOND LINE OF CREDIT, SINCE MIX OF CREDIT IS 10-15% OF YOUR SCORE.
JUST PAY ON TIME AND KEEP THE BALANCE LOW AND THIS CARD WILL RAISE YOUR SCORE.

Reason for denial usually comes in the approval letter.

You will probably need to open a secured account first and many times your girlfriend's income is not applicable (usually have to be married). You could try: PEER TO PEER LENDING

On your denial letter see which bureau was used and request a copy of your report based on denial (you have 60 days) check your report for errors. Did Orchard specify what information is incorrect?

Many companies blacklist you and refuse service if you included them in bankruptcy. Utility companies to banks, best bet is if you want to apply with a company that was included in bankruptcy. Call them and speak with someone and ask if you are blacklisted and is there is anything barring approval based on your past account. You may have to pay the old account to be elgible in their system for application review.This will save a hard inquiry.

Approval is based on so much more than just a credit score. There are a number of credit scores based on the type of credit appyling for mortgage score vs. auto or installment vs.revolving credit card score. I believe that TransUnion uses a vantage score which is not usually what lenders use. Most lenders use some version of an fico or in house calculator. Not to mention depending on where you live often determines what bureau is pulled. You could have a 750 score and not get approved based on utilization, dti, income, time at employer.