1:26 pm ET
June 20, 2011 May 20, 2015
Q: I am almost 30, a bartender, and don’t have health insurance. I’m also diabetic, and have other health issues that have sent me into medical debt that is practically impossible to crawl out of. I therefore live with my parents and really don’t want to anymore. While young and naive, fresh out of college, I paid some of those medical debts with credit cards that are now maxed out, but of course your credit history does not say what it was you were “buying” with those cards. When your bad credit is all medical debt like mine, how can you find your own place? I don’t have
a landlord to write a letter, and I don’t know what to do!
A: Sounds like your health has got you down in more ways than one. I hope you are at least feeling better.
You have a credit problem and the first step, which you’ve already taken, is to recognize it. You are still young, so don’t give up. You need to tackle your poor credit head on with a credit repair program. Beware of the scams out there. Here is a link from the Federal Trade Commission that should help get you started. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm. Don’t wait, do it now. You’d be surprised at how much progress you can make in a couple of years.