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So when I was 18, I had a bank account with Wells Fargo for school, that my Grant went into. I was young and careless, and I spent beyond my means. Overdrafting several times. When I stopped going to school I never made another payment and now I'm stuck. I have this Wells fargo account in collections, it's been that way for 4 years, I have a Victoria's secret account that I've made a payment on in the past but can't find the information for seeing as I've moved since that's been there for 4 years as well, and as of 2013 I've got a 12k medical bill from being sent to the hospital and held there to see how I reacted. They didn't do anything at all for me or to me so I don't know why it was so much, but I didn't have insurance then, so it ended up being high. However, I just signed up for insurance, is there anyway to use that to cover the past expense? Helppp I really want to buy the house I'm currently renting but I need the credit to do so, and I'd like the opportunity to go back to school as well...I'm 21 years old now, what do I do?
Hello every one I would like to know can I qualify for a house and how much house can I afford. Thanks in advance for any help. Credit experian 644 equifax 670 tr 693 I have 3 unpaid medical bills for 384, 44, these are from 2011 and a medical bill for 75.00 only on Experian that will fall off in April of this year I have one credit card with NFCU with a 1000 limit with utilization of 1% I have one car loan with a balance of 2700 it was only for 3000 so it is a new loan I have a paid verizon collection for 48.00 that was paid off in 2011 and 3 personal loans that was paid as agreed Income 3600 monthly Monthly debt payments 100.00 car loan Employment at current job since 2011 in the same career for 15 yrs I live in VA and I am a first time home buyer