My daughter's rejection was based on information provided by Experian. The two reasons they provided for denying her were an "insufficient credit history" and "excessive credit inquiries". My daughter has a charge-off for $250 from a collection agency, in behalf of a utility company dated 1995. She has no other negative lines, but she has 18 open accounts showing no delinquencies or other negative activity. While she has a lot of positive lines, her oldest account listed is a Capital One Visa Classic account, with a $200 unsecured credit limit, opened in November of 1999--just short of a year. Obviously, they look for accounts AT LEAST a year old, perhaps even more. She also has an UNGODLY number of inquiries. She has 41 inquiries over the past two years, with 20 having occured within the last 6 months. While Umbrella Bank offers a secured Visa, there was no push for it or mention of it on the rejection letter. It was the standard, generic rejection letter that most banks send out. Although they pulled Experian, it's possible they could rotate CRAs when performing credit checks. Many creditors do. Also, the CRA used can depend on the state in which you live. We live in Texas. Hopefully, this will answer many peoples' questions on Umbrella. I also hope my daughter will someday cool it on applying for credit. While her goal is to rebuild her credit, she's doing nothing but pissing in the wind as long as she keeps wracking up those inquiries.