1.) Too many inquires.
You can try disputing these and list them and mark them as unknown. (some may be removed that way) lately I haven't had much luck getting them removed though. I think someone on here mentioned they did it on line (I think through Experian and got a lot removed)
2.) Medical Collection account.
In your case - I'd get the proof it was paid by insurance, you should have a statement or request one from insurance company. Send that to the provider and I'd demand they need to delete from cb's since it was not accurate at all.
3.) Ratio.
I would try and pay as much down as you can on your card. I think the ratio should be lower - like at 30% - in your case $3k then. Just continue to get it down there. No, I don't really think getting another card and transferring balance would really do much good - though it could possibly. ? tough to say. I think it can be fairly hard to get credit cards and most may want the entire balance transferred, which may not do any good anyway.
4.) New account.
hmmm. that one - I don't know. I don't think it should report as new account if you just raised credit limit - which actually shouldn't of backfired - that should help!
Those are my thoughts, maybe others can jump in and offer more advice or suggestions.
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