A lot of it has to do with debt load vs. assets/income. If she owes any money, anywhere, that counts against her. Does she have a student loan? Any type of debt at all?
Numerous credit checks can also hurt your credit rating by up to 10%. I was applying at a lot of insititutions for credit cards when I was younger and learned that all those applications labelled me a 'credit-seeker', which downgraded my likelihood of getting a card. Eventually I had to walk in to Scotia and 'force' them to give me a card.
Number of checks, debt vs. income, assets, and credit-payment history.
Get her to check her own credit and score, that should tell you what you need to know. If she doesn't know what to do with those, send her to her bank with that stuff and maybe they can put her on a 'plan to better credit' or something.
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