so all agree I should go to identitymonitor.citi.com and all the info I will need is there or is there another website???
That site will tell you all about your credit report and credit score.
There is no site out there that says "nobiggy should apply for this and this card now". If you have a good credit score then you can start applying for cards. If you never had a card under your name its better to apply for a card with no annual fee like the freedom card from Chase because its best if you don't cancel your oldest card (as opposed to lets say the SP from Chase which after a year you might close it due to the AF). If you already had 4 pulls and was declined due to little income maybe write a little more on the income and hope to get approved.
Hope that helps...Maybe others with more experience can give you some more advice.
GL