Credit score advice?

Question

I am 19 years old, and I recently checked my credit score on Credit Karma; it is 528, with several negative items dating back to 2015. At that time, I was still in high school and didn’t even have a job, yet now I have 10 different negative marks against me. As a result, I’ve been getting denied for apartments and car loans for issues that I feel I had no control over. What steps can I take to improve my credit score? I would greatly appreciate any advice you can offer. Thank you in advance!

Amos Schaefer I · Accepted Answer

you need to contact one of the three credit bureau and report fraud and identity thief in your name. after you do that call police and make a fraud report with them. Ask your parents if they got something in your name and past and messed your credit up

Anonymous · Answer

The only way that you will ever get your score up is by doing nothing.

Your score is too low to get it up by doing something.

You need to get it up by doing nothing before you can do anything to get it up.

Doing anything will keep it down or make it go lower.

For example, each time that you try to get a car, that makes your score get lower.

It won’t go up until you stop.

Anonymous · Answer

You need to send a letter to each of the credit agencies and tell them that the debts could not possibly be yours, as you were a minor at the time they were opened. They will ask for proof. Cooperate and this will be cleared up in time. Make sure that you are persistent.

Anonymous · Answer

Forget about credit for about 5 years. Then, take out a credit builder loan. But its no money up front. You pay the payments first, then you get the money.

Anonymous · Answer

Pay off those old bills.  Since they were from high school they probably are not very large.  If not then wait 7 1/2 years for them to fall off.  What do you mean something you never did.  If you had debts and have not paid them they are adding interest every month which is your responsibility.

Anonymous · Answer

Well, first get yourself a proper credit report.  Credit Karma is not official.  Once you have this, look at the items.  Most likely it was your family that stole your ID.  Anyway, you can contact the credit bureaus and dispute the items as you were too young to enter into.

Ms. Aryanna Gutkowski DDS

Credit score advice?

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