My score never seems to improve, any ideas?

[medicgrrl]

Come on over to the Rebuilding Your Credit forum and we'll be glad to walk you through what the possibilites are   Make a post listing what is negative on your credit report,creditor name, whether it's paid or unpaid and what the Date of First Delinquency is on the account.  If you're not sure what all to list...just list as much as you want and we'll probably ask some more specific questions.  

I think if you start with working on the negatives it will help.  After that you can start the rebuild process.

[Anonymous]

sounds good, ill gather some info and make a post over there in a bit!

[Anonymous]

---

@Anonymous wrote:

btw, credit karma says i have a 641... i dont think credit karma is very accurate :\

---

CK is perfectly accurate, they are just giving you VantageScore 3.0 scores not FICO scores.  As you can see, these scores can be quite different.  It doesn't mean CK scores are inaccurate, they are just produced using a different, less common model than FICO.