Since we’re on the subject of credit scores.

Since we’re on the subject of credit scores.

I just checked my credit report/score. My score is 623. I'm assuming this is a bad score? I have a closed (paid/never late) verizon account on there and the auto loan I just opened up in december (never late/still owe $6000 or so). I also have 7 collection accounts, same company, all from 2003 from a lapse in medical insurance when I was pregnant with my first. I was 16 at the time and not even aware of these bills until recently! I'm sure my parents got the bills and didn't pay them or tell me about them. Anyway that's all that's on my report, besides a couple inquiries for the car loan, and one for capital one (denied..). My question(s) is when should I expect to be able to get a credit card?? And what should I do about these medical bills? They are already 5 years old. I never received a bill but I have no idea whether my parents got them either. I would like to be able to get a credit card and eventually buy a house (apartment living sucks) but my credit has sucked for such a long time. The car loan is cosigned with my ex's mother, otherwise I wouldn't have been approved. How much will that car loan affect my credit score? And how long will it take?
flowering almond problem

flowering almond problem

New and domestic!

New and domestic!

Giant Timber Bamboo

Giant Timber Bamboo

Plum & Avocado Tree Help..

Plum & Avocado Tree Help..

Garden update…

Garden update…

Shots of my room

Shots of my room