Ahhh, yeah. I'm 22 and when I was 18 I discovered credit cards. For simplicties sake I'll just list everything I owe/owed and what I need help with.. Sorry if this is confusing, my brain is mush at the moment.
In January I received a summons for an old vet bill for 73$ back from October. I paid it in full with legal fees, turned to be around 150$. Paid.
A few years ago I opened an American Eagle credit card and had a balance of around 250$, I paid that off a few weeks ago. Paid.
I have an outstanding library card fee (lol..) of around 250$ that hasn't showed up on any credit reports that I have unpaid.
I have my capital one credit card that has been revoked, that I have two payments left totalling 150$
And a medical bill for around 190$ that my parents helped me out with. Paid.
I rent and live by myself. My parents had to co-sign for me but my bills (internet and electric) are in my name and I pay rent through my checking account.
That capital one card was my only credit card. They said the account is closed and if I want to reapply once the balance is paid I can.
Okay.. After that quick summary, what can I do to improve my score? It's (estimated) at 579 right now and through the credit estimator should be at around 610 once I pay off my capital one card. The only outstanding balance would be my student loans (totaling around 2500 that my parents help me with and all payments have been made on time).
I don't know if I can get another card in my name. The only thing showing up on my credit reports is a bill from my cable company from 2010 that was paid, my american eagle card that shows it was paid, my student loans and the capital one card. Is there a way to get that stuff off my report or do I have to wait 7 years? The loan is okay but I just.. Ugh, am so confused. I know next to NOTHING about credit and credit history/credit scores.



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hope that helps.


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