>>>>>>LOW CREDIT SCORE I NEED HELP!!!!!!!!!!!!

[TOLENTINO03]

MY CREDIT SCORE IS 561 . I OWE ONLY $1,433 IN MEDICAL BILLS, SO A TOTAL OF 3 CLOSED ACCOUNTS ON MY REPORT. 3 ACCOUNTS WERE OPEN 2008,2010,2011. SO MY QUESTION IS HOW CAN I REBUILD MY CREDIT IF I CANT GET APPROVED FOR A CREDIT CARD? WHERE DO I BEGIN ? I KNOW I HAVE TO PAY FOR THE MEDICAL BILLS .  IM TRYING TO RAISE MY CREDIT I WOUD LIKE TO PURCHASE A HOUSE THANKS!

[Anonymous]

Where did you get your score and reports?

Are the only things reporting the collections for the medical?

[dodfire]

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@TOLENTINO03 wrote:

MY CREDIT SCORE IS 561 . I OWE ONLY $1,433 IN MEDICAL BILLS, SO A TOTAL OF 3 CLOSED ACCOUNTS ON MY REPORT. 3 ACCOUNTS WERE OPEN 2008,2010,2011. SO MY QUESTION IS HOW CAN I REBUILD MY CREDIT IF I CANT GET APPROVED FOR A CREDIT CARD? WHERE DO I BEGIN ? I KNOW I HAVE TO PAY FOR THE MEDICAL BILLS .  IM TRYING TO RAISE MY CREDIT I WOUD LIKE TO PURCHASE A HOUSE THANKS!

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You mentioned 3 closed accounts, are these the medical bills? Or what accounts are these?

[TOLENTINO03]

EXPERIAN SCORE IS 561. COLLECTIONS ONLY FOR  MEDICAL BILLS TOTAL OF 1,433. ACCOUNTS CLOSED

[TOLENTINO03]

I ONLY HAVE MEDICAL ON MY CREDIT REPORT. TOTAL OF 1,433

[Anonymous]

That is it.  No other accounts?

Did you get the score from EX or from this website?  If it is from EX it is not a FICO score.

I would contact the OC for those accounts and see if they will work with you and pull the accounts back from the CA and have them delete.

[TOLENTINO03]

YEA THAT IS IT! OK I WILL TRY THAT THANKS

[TOLENTINO03]

I GOT MY SCORE DIRECTLY FORM EXPERIAN

[TOLENTINO03]

*FROM*

[Anonymous]

That is what is termed a FAKO score because it is a non FICO.  They can vary greatly.