credit-report-free.totalh.com – try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.

You will not be able to get a loan without a co-signer.

Yes it will, you won’t be able to obtain any credit in reasonable terms,, not only that also it will affect your ability to obtain a job, your insurance rates, if you need to rent a house you’ll have a problem too…. There is several things, you need to take care of that.

Contrary to the advise given for some folks above, at this point it won’t make a difference for you if you pay that debt or not, unless you do something about it it will be on your record for seven years since the first missed payment on the accounts paid or unpaid. I would think it over before paying specially if the debt belongs to your ex-husband, they probably can’t sue you

Your score will make it very difficult unless you have enough cash to show the bank. If the only thing you have is medical bills,then you need to show proof that payments are being made. Also like I said,the bigger your bank account looks,the more chances of getting that loan will be. The problem is that if you get approved,the interest rate will be up the roof.

Yes, they matter. Yes, you will not be able to get a loan. If you pay the bills off, your score will improve.

Yes, medical bills count.

Just for the record, if you pay off your debts the debts themselves disappear immediately. You current record of missed payments will remain on the record, though.

Still, the fastest way to clear your record is to pay your debts as quickly as you can. Until you can do that, you can forget about any loans.

Work out a payment schedule with your creditors and stick to it. Debt by itself doesn’t hurt your credit rating. Debt that you’re not repaying on schedule hurts your rating. Debt that you *are* paying on schedule helps your rating. (So if you’ve never had debt, you don’t have a great credit rating.)

unfortunately it will hinder you from taking out a loan unless you have some collateral you can put down they can hold or a person that can co-sign the loan for you who does have a very good credit score

My ex husband racked up medical bills onto my credit, now my credit score is shot because I refuse to pay bills that are not mine… my score is similar to yours… I got denied for every loan I applied for… medical bills count…

Good Luck.

Not from big guys named Guido. It’s no problem. Banks… could be a problem.