Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
ragdolljessy

1 Contribution
0 People Helped
College ruined my credit, I'm unemployed but want to fix my credit score...
I'm 23 and I want to get my credit score up but I'm not sure how I can... My credit became crap thanks to college loans and occasional hospital bills. I've never owned a credit card and I've always paid my bills on time, etc but I'm currently unemployed and had to resort to moving back in with family. I got a letter from a collection agency wanting to garnish my wages but I have none for them to do so. I'm just not sure what to do, any advice??

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
3051 Contributions
2786 People Helped

I don't mean to sound heartless, but without some form of income you really can't do anything to help your credit.  Don't worry about your credit right now, focus on getting a job first.  Best of luck!

Reply by
ragdolljessy

1 Contribution
0 People Helped

I'm just worried because they had sent that letter... I was told that they can take me to court and possibly jail if I don't pay them but it's not like I don't want to, I just don't have any way to do so at the moment. The worst thing I've ever done is get a speeding ticket so I'm hoping that they would understand/work with me and wouldn't be so harsh but you never know what might happen.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.