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ButterflyAngel734

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Im a college student. I would like some advice on how to repair credit/ building up my credit score?
I have no credit card debt, mainly just student loan, payday loan, and hospital bills on my credit.

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You need to take the time to read everything that you can on this subject. You have to invest time in learning. In short though, you will want to work to remove any negative accounts from your reports, this can sometimes be acheived by disputing incorrect information found on your reports or trying to get "pay for delete agreements". You said that you have no credit card debt, does this mean that you do not have any current credit cards? If you do not currently have any credit cards, you should consider getting one or two cards (start with SECURED cards if need be) as cards will help increase your scores. You want current credit lines in good standing just as much as you want to remove negative accounts from your reports. Start reading and learning, any questions along the way feel free to ask.

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