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How to raise your credit?

So after pulling my credit report. It turns out I have about 1500 dollars in debt. That debt includes a cable bill, electric bill, an old credit card, and an old T-Mobile account. The rest of the debt is like 8000 dollars in medical bills, from when I had my daughter, a couple years back. I guess my question is should I just pay off the 1500 dollars to raise my credit, and not worry about the medical bills? Or should I contact a debt consumer agency, and try to pay it all off? Should, I declare bankruptcy? Right now my median credit score is about 560-570, and I want to buy a house. How long do you think, it might before, I achieve this? I do have two great lines of credit with both my cars, both due to be paid off soon. I also applied for a secured credit card and got approved. Any financial advice would be appreciated.

Pay off all your debt, even the medical bills because medical bills will go to collections too and lower your credit score. If you had insurance at the time your medical bills were incurred then check on if the insurance paid. If you call the billing companies, a lot of them will make arrangements with you for payments of your bills. Some companies won’t accept or even deal with Consumer Debt agencies so it’s usually best if you call them yourself.

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