1️⃣ STOP 🛑 using credit karma! Use SmartCredit instead. It’s the MOST accurate way to monitor your credit 2️⃣. Get a copy of your 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 dispute negative items & build

At Fox, you’re more than just your credit score, but that doesn’t mean you shouldn’t keep an eye on your credit reports. Thankfully, doing just that is easier than you may think. You can go to annualcreditreport.com to get free reports, and please don’t hesitate to reach out to our friendly Fox team if you have any questions or run into any problems. Speaking of that, we also offer free financial counseling services at foxcu.org/balance-financial-fitness-program if you want to boost your financi