Question by MLRatyahoo: Can I start building new credit without repairing old credit?
I am about 3000 dollars (at most) in debt because of some emergency room visits I had between the ages of 17 and 21. I am now 22. I am in a bind, because I have to make an out-of-state move in 8 months, and I know I won’t be able to afford the move, AND pay off the debt in that short amount of time.

Someone advised me to just forget about the current debt i have (because allegedly medical debt is more explainable/exusable) and to start building new credit instead. Of course……I don’t know how to do this if i keep getting denied. My credit score is very low, between 500 & 550 I think.

Was this persons advice reasonable? Or even do-able?

If so, how can I start building fast? Which card companies won’t deny me? I’m very responsible. I only have medical debt. No other debts.

(And please, only give me advice if you know what you’re talking about. Don’t reply just to get more points. It might confuse me.)
I don’t know if 500-550 is my accurate credit score. I just think I remember seeing these numbers. All I know for sure is that it said “VERY LOW” on a scale between very low and very high.

Fast Credit Repair
Best answer:

Answer by carriemyah
Yes most medical won’t affect your credit the way other negative credit does. Capital One will give a credit card to anyone. Trust me, they gave me my first credit card a few years ago when I had no credit at all. You can apply online at www.capitalone.com. Just apply for a credit card there. The best thing to do is buy a few things every month on it, then pay it off every month. That way you don’t have to pay interest. Hope this helps.

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