So If someone has no credit and has Doctor bills on their report both currant and old. What repairs a credit score better Working a payoff with those debters (no way to ever pay most in full so it would only be a "deal") or using the same chunk of $ and buying a vehicle (putting half down and financing 1/2) and making the payments on time? I know a vehicle is a deprecating object but I am looking at it more as a tool to repair the credit and I can use a nicer "daily"
Sadly I am pretty dumb about the system of Credit and need help please.
Cliffs: What helps Credit more 1 year plus of car payment Or "settling" old debt?