At a certain point it's just excluding younger applicants, because their credit history is just too short to hit that requirement regardless of the other factors. Now if you want an easy way around it, just buy a trade line - pay someone to add your name to their credit card, and your credit score (temporarily) goes up. Bullshit for a bullshit system.

Errrr, I was low 700 and was approved for the lowest rate in Bellevue. Maybe you should try a different bank.