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Being prequalified, on your own, with your information, is the only way to know if you fit the profile for the lender in question. I'd suggest what the pp said, search up some. Easily check if you are prequalified for a credit card offer from wells fargo with no impact to your credit score. Use the credit card finder and apply online. We are long term renters, 10 yrs at the current place, 6 yrs at the last.