I used Providian and Capital one cards to rebuild credit. Providian one 17 months Providian two 3 months Capital one 5 months All on time. I recently paid off a judgment that was from 1997. I still have two charge off's from 97 My questions is I have been getting a lot of offers saying pre-selected. From sears, Kmart, Discover Platnum, Premier bank, Cross Country and Associates. My questions is should I waste an inquiry or two appling for these cards when I still have the two charge offs on my credit record and is this pre-selected the same as pre approved???? I always get great advice on this board, so any input would be appreciated!