@Patient957 wrote:
BCE was a good first try, no ding decline, pretty much guaranteed Experian puller.
Capital One will pull all 3, so YMMV depending on how dirty your other 2 reports are.
I would check pre-approvals for:
Capital One
Discover
Chase
Chase Amazon Visa
I'm sure others will have suggestions also.
Definitely agree with @JoeRockhead to avoid the bottom feeders. Also avoid anything with an annual fee. You just need something to get you started. 6 months to a year of responsible use and the doors will start opening.
If you decide to check pre-approvals, let us know the results. Good luck!
Just curious, if you freeze all but one of the 3 bureaus will Capital One still approve you with one bureau HP?
As of: 8/11/26:
EQ: 802 (prev. 799 on 7/12/26; 783 on 8/15/25; 798 on 1/10/25; 794 on 12/19/24; 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 804 (prev. 788 on 7/12/26; 766 on 8/15/25; 769 on 1/10/25; 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 806 (prev. 802 on 7/12/26; 773 on 8/15/25; 768 on 1/10/25; 771 on 12/3/24; 756 on 9/6/24). - FICO 8.
Have:
- Amazon Prime Store Card: $10,000
- Amex Blue Cash Everyday (AU): $10,000
- Capital One Savor Cash Rewards: $3,600
- Chase Freedom Flex: $1,000
- Citi Custom Cash: $9,200
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $4,000
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390
- PayPal World Cashback MasterCard: $5,500
- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.
