<prompt> Human: After having looked up my credit score and finding it to be very low. Ive learned about medical and an overdrawn account I didnt know were there. Im hoping for advice at settling debts and starting a savings account simultaneously.  <response>: Based on the almost complete lack of information youve provided, Im not sure what kind of advice you expect; it basically boils down to go open a savings account and start paying back your debt.If you have an overdrawn bank account you may not be able to open a new one due to a big negative mark in Chex, but its hard to say for sure. I would say that, if youre lucky enough to find a place that will give you a checking or savings account, open them there. As for the debt, start paying it back. 