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Hello guys,

First some background information: I am a current college student. I have never had a job to earn income (any money I obtain is either from financial aid through loans/scholarships or some support from parents). I had a big medical condition a couple of years ago in college in which I racked up a whole lot of medical debt, greater than $ 15,000, which all went to collection. I don’t have any way of paying those balances off at the moment as I am completely focused on my studies right now. I have tried to apply for student credit cards, but I get denied every time. The times that I applied I used my financial aid money as the source of income along with the extra that my parents gave me.

I have a couple of questions regarding my credit score.

1. How much impact do hospital bills in collection have regarding my credit score? I have read in some places that they do not impact as hard as other items, but I am not sure.

2. How can I start to build my credit (or repair if the hospital bills damaged it) if I can’t even get approved for a student credit card?

Any help would be much appreciated, thanks!

1 Thought on How can I repair/build my credit score as a college student with no current job?
  1. Reply
    August 25, 2013 at 3:13 am

    find and study Total money make over, Dave Ramsey.

    u have been denied legally and rightfully
    not because u in debt or student BUT for simple
    reason – u got no Income.

    so stop wasting your time applying.

    as for work – go find some.
    unless u in residency, u got plenty of time to work
    after studying and classes.

    there is One Hundred Sixty Eight hours in a week.
    u can find at least 30 hours for a job.

    as for old hospital bills – leave them alone. there is nothing
    u can do about them. they will be there on your Report for at
    least 7 yrs. the older they get – the less they count on score.

    u do not need to build “credit i love debt score” u need to build

    u can get in TX a car, an apartment with cash.
    u can even get a house mortgage with out a credit score.

    use the library to learn about debt slavery.
    understand for every 10,000$ of loans u will
    have to earn 32,000$ to pay it off.

    good knowledge is good luck.

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