@newwealth.academy: If I had to rebuild my credit from a 550 score, this is my 90-day plan to reach 750. I wish I'd known this when I was struggling with bad credit and felt lost. 1️⃣ Ditch Credit Karma and switch to IdentityIQ. 2️⃣ Obtain your free credit report from IdentityIQ. Print it out to easily highlight any negative or inaccurate items. 3️⃣ With this information in hand, freeze your secondary reports and start disputing. Freezing these reports blocks the credit bureaus from verifying disputed collections. For those with scores below 650, this is your ticket to joining the 700+ credit club in just 3-6 months. Follow & Comment "Fix" if you're in need of this program!