I believe low thyroid could cause this problem. At your age you should have your thyroid checked.
Vertical ridges represent a normal aging pattern, though some people consider the presence of ridges to be an indication of the risk of developing athririts. At any rate it is considered normal and medically insignificant.
Transverse(horizontal) ridges represent an underlying pathological process eg trauma, vitamin deficieny or chronic illness eg kidney, liver etc The presence of ridges along with symptoms should be discussed with your physician
This usually indicates a health issue. You may want to have a complete physical as soon as possible.