@creditwithcynthia: 1. STOP using Credit Karma! Use myFICO instead — it’s the most accurate way to monitor your credit. 2. Pull a copy of your free credit report from annualcreditreport.com. Print it out and highlight the negative items & errors. 3. Freeze the secondary bureaus and start disputing. The secondary bureaus are: LexisNexis, SageStream, ARS, & Innovis (call or go to their website). 4. I would invest in my affordable credit repair program that shows you step by step how to dispute negative items & build credit. It includes 10+ pre-written letters to dispute and remove any kind of debt — freezing these reports blocks the credit bureaus from verifying the collections you dispute. Follow & comment “LETTERS” if you need this 📩 #creditrepair #credit #creditrepairservices #credittips #creditscore