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- Dec 19, 2014
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Hi guys,
This question is regarding credit and student loans so any advice from someone who has been in this position would be awesome.
So today I decided to check my credit score on Credit Karma and found that my score was in the 'poor' range, around ~620. I have never had a credit card, besides a co-signed card (with my parents) that I had in college for study abroad materials, which were paid off promptly.
Anyway, I found that I had a $55 medical bill that had been unpaid for the last 6 months (dang it!) and completely lowered my score. From the financially-savvy to a newbie -- what can I do to help me have good credit before applying for loans (I'll be starting dental school in the Fall)? I'm paying off the bill right in the morning tomorrow.
Ideally I'd obviously like to get the best loan rates as possible but I'm scared that my credit will cause roadblocks. Also -- I am currently working at a coffee shop before school starts so I'm not totally raking in the cash ($11 an hour).
Thank you!
Credit Doc
This question is regarding credit and student loans so any advice from someone who has been in this position would be awesome.
So today I decided to check my credit score on Credit Karma and found that my score was in the 'poor' range, around ~620. I have never had a credit card, besides a co-signed card (with my parents) that I had in college for study abroad materials, which were paid off promptly.
Anyway, I found that I had a $55 medical bill that had been unpaid for the last 6 months (dang it!) and completely lowered my score. From the financially-savvy to a newbie -- what can I do to help me have good credit before applying for loans (I'll be starting dental school in the Fall)? I'm paying off the bill right in the morning tomorrow.
Ideally I'd obviously like to get the best loan rates as possible but I'm scared that my credit will cause roadblocks. Also -- I am currently working at a coffee shop before school starts so I'm not totally raking in the cash ($11 an hour).
Thank you!
Credit Doc