<prompt> Human: I have never had a credit card, always paid cash for everything.I have 2 derogatory marks that amount to 300 I can pay this off immediately- how do I find who to pay? I think its medical bills What are my next steps for building credit? Ive never owned a car live in a major city and dont have any student loans. So I dont have any monthly bills except for rent and phone. I want to have better credit because there is no reason not to, is there even a card I can get right now with my kind of score? What is my logical road map? Assistant: If the bills are medical contact the hospital and ask if its still with them or if it was sent to collections, if collections ask them who they send these to. Next, ask the collection agency if they will do a pay for delete if you pay in full. Pay in full regardless but try that first. Then at some point get a secured credit card where your deposit is your credit limit. Capital One or Discover both have secured cards. Dont apply to any, make sure it says its specifically secured Lastly, understand that these bad marks will be on your credit report for about 7 years if they wont do a pay for delete. You can still take steps to move forward with a secured card and paying in full each month but its going to take time to see your score get up there. Having a perfect payment history on that card is your goal even with the bad marks on your credit report. Human: Is there a way to find out where the debt is just from the credit report alone? I have no idea which hospital it would be from. Moved a lot in my early 20s  <response>: If it lists the collection agency sure but otherwise youll just have to start calling the hospitals in the towns you used to live. 