Rebuilding Successes & Losses

I have to say thank you board.

since finding this board in April/May I have increased by score by 60 points, joined Lexington and sucked up enough nerver to apply for credit.

I applied for the following:

Cap 1 Visa gold--approved $200
Providian Small Biz Card---awaiting status
Kmart MC--approved $300/200
Target----approved $200
Spiegel---denied
Lane Bryant--awaiting status.

So my total active credit mix:

Citi Plat MC---$1400
Target---$200
Kmart MC---$300/200
Cap Gold Visa---$200

Where should I go from here?

I want to increase my limits (on the newer cards). I have read on this board two strategies.
1. Don't use and they will send increases
2. Use PF to beg for increases better terms

I have searched this board and could not find a PF letter.

Which route is the best to take and I should probably cool it for a will because I have just been hit with six inquires within two week span.

 

Even with negative information reporting and 6 inquires?

I have a few paid collection accounts and one that just popped up that I have fighting.

On my TU:

I have two paid negative

On Equifax:

I have two paid negative

On Experian:

I have five paid negative (two are duplicate)

 

How long before the impact of the inquires soften?

 

Update onf credit applications:


Cap 1 Visa gold--approved $200 increased to $700
Providian Small Biz Card---awaiting status
Kmart MC--approved $200/100
Target----approved $200
Spiegel---denied
Lane Bryant--denied


Also a Ciitback Plat Select: $1400 (old college card converted)

Yahoo, I really stronger now that the Sun is starting to shine!


When will the impact of the 6 inquires soften? I want to stick to apply in waves that way they all drop off at the same time and are easy to keep track off.


BTW, I will call back Speigel and Lane in 60 days after I have gotten my free credit reports and the chance to remove the negatives and for all of the new cards to show up. I have already used Target and Kmart inorder to generate a bill to force an earlier reporting.


Damn I feel good. Does Providian usually take this long to approve online accounts?

I saw both a hard and soft on my reports from Providian.

I am rambling I am so excited......

 

Can any one coach me on how to overcome this denials?

I don't want to just give up