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