Should I apply or wait? Also, TU dispute?

[Anonymous]

I think I need another positive account.  Just a little background: I have 2 neg accounts in EX and 2 pos accounts, 4 inqs, score 613.  EQ, multiple neg accounts, 2 pos accounts, 3 inqs, score 607.  TU, multiple neg accounts, 2 pos accounts, 4 inqs, score 587.  Pending disputes with TU and EQ.  Also, a PFD letter has been sent out for one of the negs as well.  All of the negs are medical.  Every single one.  Anyway, is there any other card that I have a chance of getting at this time that is not secured.   I have a wells fargo secured card and my other good account is my student loans.  Is there anyone that only pulls EX that would approve me?  I just want another good account on my reports to cycle while I am working on the collections.  

Also, is it normal for TU disputes to take so long?  I know that they have 30 days, but I have read so many posts about how theirs got finished with so early and that that was a good sign.  Is it a bad sign that mine is taking so long?  

Thank yall.  I love this forum!

[Anonymous]

For medical collections google the HIPAA Letter Process follow it exactly as laid out. If you have problems finding the website or any questions PM me.

[RonM21]

I'd wait out the dispute process and take a look at the medical collections first, as suggested above, before applying for another card. Doing this can possibly get your scores up a bit, raising your chances for an approval and better limit.