I have a client that's been floating around the industry for about 4-5 years that I'm sure everyone's seen, that has a FICO of 749, but it's ONE credit card with a $1000 limit, because he had a big problem with BizFi and had big problems with banks over the last few years unable to open a bank account. Nothing to do with his FICO, but on a different rails he got screwed over.

Also, clients with issues in the past are hopefully better students of credit.

So his FICO may not be a proof, that's all I'm sayin'.