wendy asked:
I am 26 years old and I don’t have a credit score. I have unpaid medical bills on my report. They don’t add up to much so I should be able to pay them off fairly easy when I have extra money. How can I get credit so that I can have a score? Every credit card that I wanted to apply to (that would even give me one) has all kinds of fees and doesn’t seem worth it to me. I have student loans which I don’t have to start paying back until I graduate (2009). Will these loans help improve my credit when I start paying them back? If so, what can I do now to get a credit score? I want to buy a house in the next couple of years but I need to build my credit first. Any suggestions?
Christopher
I am 26 years old and I don’t have a credit score. I have unpaid medical bills on my report. They don’t add up to much so I should be able to pay them off fairly easy when I have extra money. How can I get credit so that I can have a score? Every credit card that I wanted to apply to (that would even give me one) has all kinds of fees and doesn’t seem worth it to me. I have student loans which I don’t have to start paying back until I graduate (2009). Will these loans help improve my credit when I start paying them back? If so, what can I do now to get a credit score? I want to buy a house in the next couple of years but I need to build my credit first. Any suggestions?
Christopher
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If you have medical bills and student loans, you have a credit history, through it may not be a very good one.
Go to your bank and see about different sorts of credit cards they offer, etc. If you bank does not offer anything or won’t otherwise assist you, go elsewhere. Specifically bring up that you are looked to build a credit history.
you need to be making payment arrangements with those medical bills immediately or you will have a very tough road ahead of you. Negotiate to make some kind of minimum payment monthly to each one for an amount that will allow each debt to begin being recorded as current. Then pay them off… but don’t wait to negotiate & minimize further damage.
Yes, starter credit cards have higher fees & higher interest, this is because you are a higher risk. You are going to have to accept that until you are able to build a worthy credit file & then are able to qualify for better offerings. Pick the best offer you can find with the highest possible credit limit. Stick with just one and then don’t apply for anything else for at least 6 months (each time you apply that works against you as well)
You need to build your credit & build a savings account. You will need @ $10,000 or more in savings for a couple of years before you buy a house in order to qualify for reasonable interest rates & closing costs.