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!
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.