I'm currently in the process of disputing a charge off on my credit report. I have one credit card (2500 CL) and would like to apply for another to help my credit in the long term. I also have two hard inquires in the past two months. Should I wait till after the dispute over the charge off is complete/paid off? Or can I just go ahead and apply for another credit card? my current score is 606 by the way.