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marty56 wrote:

You will gain points back by only allowing 1 CC to report a balance.  This can be acomplished by known the statement drop date and PIF'ing before that date.  In 1 year, the INQs won't be a factor anymore.  I would not apply for new credit anytime soon.  Just let your accounts age and alwaays pay at least the minimum due as soon as you can and you will be fine.

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Thanks mary56...that's what I'm gonna have to do because it seems like that's the only thing, along with paying on time of course, that will help my score over the next few months.  I already know all my statement drop dates, so by the end of next month, the only cc that will report a balance will be my Best Buy card (because I purchased a computer with the 18 month financing).  All the rest I will ensure I pay off before the statement drops.