Did she try a Credit Union? Sometime they are a little more forgiving.
Several years ago I had to get a loan but I had no credit rating (right out of high school). I had an account at a major Canadian bank my whole life, but when I asked them for the loan, they refused. I went down to the Credit Union and asked them, and they approved me. All I had to do was open an account... and it was a better interest rate than the bank as well.
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