... I am 23 years old and had no idea what credit was till I needed to get a place for myself.? I have checked Credit Karma and they give me one amount and when i call the place they are giving me a much larger amount that i owe, what do i do to solve this? Is there anything i can do to fix my credit and reduce my debt to nothing with out having to sell an organ? Is there any tricks that can allow me to repair the damage that has been done?
Responses (1)
There are three major credit agencies: Equifax, Experian, and TransUnion. You could be checking one of the credit agencies and someone else is getting results from another. All three are valid, but could be slightly different. If there is something incorrect on one of the credit reports you can dispute it or even if they won't remove it, you can add a comment to the report. The government entitles you to a free credit report from the agencies yearly at www.annualcreditreport.com. The are no real ways to scam the credit report to fix it. You need to open unsecured credit lines (IE, traditional credit card) and pay your balance, or minimum balance & interest on time. (secured credit are things like car or home loans that have collateral).