I currently have a credit score in the low-500s. It's mostly because of one single account (Dell can be a-holes). I'm only 21, and the only other thing on my credit report is my student loan.
My Experian credit summary says that I have $0 available, but 100% of that $0. I must be missing something. I currently have no credit card, and my credit summary still has my old job from two years ago. How do I fix this?
I'm in a much better job now, but if it shows up as 7-11, I'm not going to get ANYTHING approved.
Also, despite paying Sallie Mae every month, my score isn't going up. What's up with that?