Credit score?
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When you pay off your medical collections, before you send any checks to them you should try to negotiate the removal of these items from your report by the collection agencies. Get it in writing. Otherwise everything stays on for 7 years. That's a long time to pay for youthful troubles.
Credit score?If you have medical bills and student loans, you have a credit history, through it may not be a very good one.
Go to your bank and see about different sorts of credit cards they offer, etc. If you bank does not offer anything or won't otherwise assist you, go elsewhere. Specifically bring up that you are looked to build a credit history.
Credit score?you need to be making payment arrangements with those medical bills immediately or you will have a very tough road ahead of you. Negotiate to make some kind of minimum payment monthly to each one for an amount that will allow each debt to begin being recorded as current. Then pay them off... but don't wait to negotiate & minimize further damage.
Yes, starter credit cards have higher fees & higher interest, this is because you are a higher risk. You are going to have to accept that until you are able to build a worthy credit file & then are able to qualify for better offerings. Pick the best offer you can find with the highest possible credit limit. Stick with just one and then don't apply for anything else for at least 6 months (each time you apply that works against you as well)
You need to build your credit & build a savings account. You will need @ $10,000 or more in savings for a couple of years before you buy a house in order to qualify for reasonable interest rates & closing costs.
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