A couple of things prevent me from being able to open cold when I graduate. You may want to take this into consideration, but I'm not the one to tell you how to go about doing so.
1) Establish credit somehow (I have never had a credit card in my life)
2) Start up a savings account unless you have some generous relatives with cash. I have no means of contributing any percentage whatsoever to a start-up, but if you start saving now, you might. There are other ways of coming up with the cash, but I don't have access to any of them. Maybe you will.
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Oh my God....you need to open up a credit card account RIGHT NOW and start using it and making payments on it, even if it's just a gas station card or a small $500 per month limit VISA. A significant portion of your credit score is the length of time your credit has been established, not just whether you are on time with payments. So even if you open one today and start using, by the time you graduate you may still find that your credit score is adversely affected since your credit history will be relatively short.
When I moved to New York City from Canada in 1996, I had a long and excellent credit history in Canada. During my second year, I wanted a new computer. I had a part time job, so I went to a bank and asked for a loan to get the computer. I was declined. I tried another bank. Declined. A couple more...both declined. I didn't understand this because I (thought) I had good credit and I had a job, so making payments wasn't going to be a problem. I phoned one of the banks and asked them what the problem was, and they said I had NO CREDIT HISTORY. (in the USA) None of the banks would help me. I finally found a bank (HSBC) that would agree to look up my Canadian credit history, and I was swiftly approved for the loan and got my computer. Of course, once I made that first payment, my mailbox immediately filled up with dozens of credit card offers including some from some of the banks who turned me down for the computer loan.
Years later, my wife had to be the primary signer on our mortgage and a few other big ticket loans because her credit score was so much higher than mine, not because I had any blemishes....my payment history was perfect. It was the fact that my file was relatively new.
So ALL YOU STUDENTS OUT THERE....WORK ON ESTABLISHING CREDIT NOW!
Also, you don't have to have a large sum of money saved up for a practice purchase or start up. There are companies out there that specialize in lending to doctors who will finance 100% of your capital needs. Matsco is the one that I have used, and they have been great. I can not speak highly enough of them. (No, I'm not paid by them.)
www.matsco.com