I’m an international student and after two years of school, I’ve finally got around to getting an SSN because I want to get a lease on a new car. Problem is, I have a credit card debt (that I plan to pay off in a month or two), went through a collection agency to pay a debt I had forgotten about and my cell phone account has history of late payments for a few months last year (I am back on track now). Will this affect my credit score? my bank told me if I continue to make payments monthly, it won’t affect my credit score.. but I’m not so sure.

and if I am starting from scratch on my credit score, is it the lowest score a credit score can get? If so, I won’t be able to qualify for my lease :(

Thanks so much :)

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About Melanie Mathis

Melanie Mathis is a credit analyst and a writer for 8 years. She has been participating in the programs of NHBS, Inc such as their continuous effort in giving out Free Credit Repair and Building Ebook. Connect with Melanie Mathis on Google+

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