Hi – I have been in rebuilding mode for several years and am in need of a good credit card with decent limit. My Fico Scores are hovering at the 700 level, with one being 695 and one being like 704, etc . . . I have one derogatory legal item on my reports which is paid and is several years old and have most things now paid way down. I seem to prequalify for a Venture Travel card or a Chase card, etc . . . but I’m terrified to apply and ding my report with a rejection – which will mess everything up. How accurate are these “prequalifying” tools on the credit card sites???? I’m not sure what they see in the soft pull. Any help is appreciated!!