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?