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The exact how to steps: 1.Stop using Credit Karma. Use myFICO so you’re seeing what lenders look at. 2.Pull your reports at annualcreditreport.com Print them. Highlight every negative/error. 3.Freeze the secondary bureaus This blocks easy verification. 4.Dispute with the 3 bureaus to challenge inaccurate/unverifiable items: collections, charge-offs, repos, medical, late pays, etc. I made this simple: my Credit Fix Starter Kit gives you the exact first letter, a mailing checklist, and what to do
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