Now that I looked over my reports with a fine tooth comb I notice that I only have student loans and medical bills to pay off. Both of these together equal debt that is approximately $12,000. I heard student loans are one of the best things to have on a CR though first is this true and 2nd if true should I make payments on them and ask just for the lates to be deleted or pay it off totally and ask for the lates to be deleted. In getting a loan would it make a difference in the lenders eyes how I did this? Also would it make a difference with how much my score would increase by?
For the hospital bills any suggestions with those? I tried to dispute them with no avail. I did this a couple of times stating I had hardship. I think they would have been more lienent if the amount was lesser. For the medical bills I have about $5000 in debt, alot being from the same place.
Other than this, what else can I do to raise my score the best I can within the year. I have a secured card now that I just got so I am using that as well. Other than that not sure what else can be done. Thanks for everyones help.