Wanting to rebuild credit

[Reagin]

Hey all, 

Im currently wanting to improve my score while I'm in college. My score is 493 and I am unable to get any line of credit, not even a secured credit line. Unfortunately all the pay off methods are out of my range that I can afford. What would be the best way to increase it within my budget. Also how much do hospital bills effect ones credit?

[Shogun]

Currently medical collections count the same as any other collections.  There's no distinction between them.  The only way to really raise those scores is to improve what is on your CR.  You say that you have current bills that you are unable to pay?  Maybe give us a little more info and see if we can come up with something.

[DaBears]

+1, unfortunately medical collections are seen the same way as ordinary collections. As stated, can you post what else is on your cr and we can get a better insight!!!

[Reagin]

Not including medical I know I have 2 cell phone bills, couple banks, a loan, and student loans that were way past due. I had those consolidated but the past loans are still showing up delinquent on the nslds website. I tried to get my credit report but I can't remember my exact addresses for me to verify it. I received my score cause I tried to open a bank acct closer to me. I honestly don't know where to start. I just know I would like to try and get everything straight before I graduate so that way I can actually do stuff.