1️⃣ STOP 🛑 using credit karma! Use SmartCredit instead. It’s the MOST accurate way to monitor your credit 2️⃣. Get a copy of your 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 dispute negative items & build

People keep gatekeeping this credit move… so here it is. If you’ve got negative items sitting on your report and you want them gone FAST, there’s a strategic process most people never talk about — and yes, it involves faxing. Before you try it, understand this clearly: 📌 It works because you’re forcing the bureaus to verify FAST — and they usually can’t. Here’s how the process looks: 1️⃣ Pull your full credit report Use AnnualCreditReport, SmartCredit, or IdentityIQ and write down every negativ

Here's an easy explanation of how credit scores work | MONEY