Here's EXACTLY what I would do: 1️⃣ STOP 🛑 using credit karma! Use MyFICO instead. It’s the MOST accurate way to monitor your credit 2️⃣. Get a copy of my free credit report on annualcreditreport.com 👉🏾Print it out 👉🏾Highlight negative items & errors 3️⃣. Freeze the secondary bureaus & start disputing. *The secondary bureaus are: LexisNexis/Sage Stream & Innovis (Call or go to their website) 4️⃣. I would invest in my affordable credit repair program that shows you step by step how to disput

Step 1: Get all 3 credit reports from annualcreditreport.com and note every negative account that’s hurting your credit. Step 2: Circle what’s inaccurate, unverifiable, or incomplete — those are your leverage points for disputes. Step 3: Update all personal info (name, address, employer etc.) to only reflect your legal name, DOB and current address. No aliases or old addresses etc. Step 4: Dispute all inaccurate info directly with the bureaus under the Fair Credit Reporting Act (FCRA). Step 5: D