How to raise credit score?

Question

My credit is awful because I have 6 hospital bills against me. Only about 2k total from 2015 and 2017. When I was married, I was a sahm and had no personal finances so I literally have no credit. Never had any bills or loans in my name. No credit cards. Me and my fiancé can’t buy a house together despite me working because my credit is shit. How can I raise it? And I can’t pay my bills off. I don’t ever have extra money for that. I go to school part time and work part time. Have two kids and pregnant. Should I get an unsecured credit card? Should fiancé add me to his credit card? Ugh help
Not that it matters I guess but fiancé’s credit is wonderful. Like 780. And we made about 60k/ yearly combined so we do okay... not great. We currently own a house but we have to sell and move within the next year.

Answer

If you cannot pay off those bills now, then you need to be making consistent payments to close out those outstanding bills. 
If anything, your credit scores is higher when your credit history demonstrates that you consistently meet your obligations and don’t have a high debt percentage of your overall credit availability. 
Sure, get a credit card, but don’t use it. Literally use it to make one or two small purchases a month and then pay it off when the bill comes due. Do that every month and you start to build a pattern of consistently paying off debts. That’s good. 
Being an authorized user of someone else’s credit card doesn’t help your credit score. You would have to open a card jointly for it to be attached to both of your credit histories.

Answer

Try to contact them and see if you can settle on a smaller amount than what's actually due .. if not, then you'll just have to deal with it until you can pay them all off in full or until they age enough to not affect your score as much as they are now.

Answer

Well, ideally you won't get a house until you have all debt paid off, 20% of cost of the house you want saved for a down payment, and 4 to six months of an emergency fund saved up in addition to the down payment. Buying a house without that in place will land you in big trouble when life happens. And trust me, it will! You can't ever count on a steady and increasing source of income with no catastrophic events.   All roofs leak at some point, transmissions go out, bodies get diseased or injured. Having a mortgage with no cushion in your bank account will kill you when that happens.

Answer

Pay off your bills and then get a secured credit card to build that credit back up.  You getting put on his credit card might make his score go down.

Answer

You can't rebuild it without paying off the bills first

Answer

Building credit takes time and consistency. It’s not necessarily how much debit you have but instead it is based off of the reliability of your payments on time and length of credit maturity. Take me for example, my only debt is $145k in student loans plus my house. I pay on time every month and have always paid extra. I have a perfect credit score but it took me years of consistency to achieve that. There’s a lot that is involved and a lot of things people do to help their score only hurts it. For example, if you take out a credit card with a $2k limit and you spend more than half of that, it’ll actually degrade your score. If I were you, I’d find an financial advisor to teach you the do’s and dont’s as well as budgeting so you can put more money towards debt and better your score in general.

Answer

Some banks offer a free consultation with a financial planner. You should do that. They can point you in a solid direction. Just be wary if it seems like they’re trying to sell you on something

Answer

Just pay ur bills get a credit credit card thats for rebuilding

How to raise credit score?

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