Thanks to all the advice on these forums, DW has gone from FICO in the mid 500's in Jan 2016 to getting her first rewards card, a Chase Freedom with an instant approval for 3k this morning. I checked the Chase prequal site yesterday and it showed Freedom, so I asked her to app. She will be using this to transfer a 2.5k balance which I expect should be paid off next month. This approval will bring her UTI to 40%.
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