HELP :/

[Gornet]

How often are you supposed to pull up your credit report? Does it affect you?
How often does it change?
I want to cry right now
I used credit karma and it says it's low

[adavis425]

CK scores aren't real. Get them from this site instead and don't worry, with a little hard work they'll rise.

[Gornet]

How is it bad though ??? This is my first credit card!

[09Lexie]

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@Gornet wrote:
How often are you supposed to pull up your credit report? Does it affect you?
How often does it change? 
I want to cry right now
I used credit karma and it says it's low

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When you are considering apping for credit.  Monitoring services can alert you to bal changes or other changes to your profile

It can change often, based on statements reporting, new TLs or inq's 

CK is good for monitoring bal, inq's etc.  I would not worry too much about your score. Worry about what's in your report,

[Airforcekid]

What does credit karma say that's keeping it down too many HPs or derogatory marks?

[Gornet]

No hard pulls and derogatory marks is a A
It says I got a f on having 2 Accs but I really only have 1

[Airforcekid]

I would get an actual copy of your credit report to see what that 2nd account is to be safe but overall just let your card age and open a few more in a few months while keeping utilization low and credit karma should show improvement.

EDIT: I have an F too for accounts you need 8 I think just for a D seems extreme a mortgage 2 car loans and 3 cards are still not enough lol.

[Gornet]

Loll I want perfect grades!
But omg I have a f for having 2 Accs and them being young! **bleep**

[mongstradamus]

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@Gornet wrote:
How often are you supposed to pull up your credit report? Does it affect you?
How often does it change?
I want to cry right now
I used credit karma and it says it's low

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To get an clearer picture of your credit I would try and pull your free credit report you get every year from annual credit report. Then you can see if you have any thing bad that is affecting your account. Once you find that out you can decide what your next few steps are going to be,good luck!

[aubie1kenobie2]

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@Gornet wrote:
Loll I want perfect grades!
But omg I have a f for having 2 Accs and them being young! **bleep**

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As mentioned by several people on here, credit building is a marathon (not a race), a journey, etc. You'll get better scores if you take good care of your existing accounts and eventually they won't be considered "young". Don't app anymore for about 6 months and trust me, your scores will improve, and by then, you'll be in a better position to secure more cards if you need it. Good luck 

(As you can see from my siggy, was in the same situation a few months ago. Just be patient and you'll get there!)