There's a kinda in-between stage where some lenders will look at your recent history and go with you, while others look at the whole thing and say nope.
Hang in there, and stay positive! With time, the good stuff will outweigh the bad, and you'll get more and more approvals. Just keep paying on time, and paying those dues.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007