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563 credit score

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Anonymous
Not applicable

563 credit score

I need some help! my score is 563 and I need to build it. I have 5 closed accounts that are medical bills. Should I pay them off? they are from 2004- present. Will they be deleted from my report? Should I get a secured credit card? Which ones would you suggest? I have 2000 saved and a trade in for a used car but im afraid I'd be turned down. Im 35 and going back to school next semester... any advice is appreciated. Thanks!
Message 1 of 3
2 REPLIES 2
fused
Moderator Emeritus

Re: 563 credit score

If you can pay them in full, proceed with the first three steps in the HIPAA/medical collections link in my siggy. If you have more questions, please post them before doing anything.
Message 2 of 3
Tons_of_Debt
Established Contributor

Re: 563 credit score

Follow the HIPAA process:
 
 
 
Get a BofA secured.
08/01/2008 - 472 EQ; 523 TU; 454 EX
03/01/2009 - 574 EQ
08/08/2009 - 648 EQ
01/27/2010 - 671 EQ
07/04/2010 - 713 EQ
01/05/2011 - 730 EQ
05/14/16 - 762 EX
Message 3 of 3
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