Welcome to the forums
You mention credit karma, but have you actually gotten your true FICO scores? CK gives vantage scores and they are not reliable nor used by most lenders.
The shopping cart trick does not work 9 out of 10 times and results in an HP.
I would get all 3 of your scores, you have the cap one and credit one cards, I would let these age a bit, work on your negatives and you should start seeing a score improvement.
Chubbycherub92... Welcome! In reading your writeup, be aware that as a general rule of thumb collections and BK Chapter 13's stay on your credit reports for seven years and BK Ch 7's stay for ten years. Credit repair is slow and steady. There is no quick fix (wish there was). Now in reading around you will find ideas on submitting "Good Will" letters to lenders and "Disputes" of what you honestly believe are incorrect information in the credit bureaus. Many posters have had some good results doing a credit cleanup.
Not to be depressing but, it took me eight years to move into the better credit card world (times have changed of late and it usually does not take anywhere this long now). Also, as has already been posted you need accurate credit information such as from the annual credit report website. Many of these free credit reports use other than true FICO or VANTAGE type credit report information and are misleading to say the least. CK is one that is known around this forum as not of much use.
When you have accurate credit bureau reports, disputes of actual information will be much easier. You may need to spend some money getting the information you need and may even find that disputes with the credit bureaus can be frustrating (I used snail mail as they seemed to be unable to get it right by telephone and found online can be hit and miss). Also, sent any and all information using "tracked" mail through the USPS as the bureaus seem to be somewhat elusive on receiving some mail (two can play this game). At any rate, I used all of the methods available to get clean credit reports.
It took me two years and I was relentless on forcing the credit bureaus to cleanup their act. Hopefully you don't have any of that. Mention it only for background! Wish you the best in your quest to reacquire a normal credit life
@Anonymous wrote:
Thank you for the suggestion! My Exp was correct, because it was already available to me. My EQ was only 4 points less than Vantage 3.0. But they still have the collection not removed from my account, and high CU from Barclay's hasn't been removed.
The real shocker was TU. My Vantage 3.0 was almost 38 points higher than FICO. My FICO reports as poor in mid 500's. They still have 2 collection accounts, and haven't removed Barclay's with the high CU. I tried to call EQ but they can't confirm my identity and my account will not proceed for correction until I send them my driver's license, social security card and a written statement. They claim I failed security questions, but there was an address dispute from somewhere I never lived that is tied to my account...and I'm assuming this security question is locking my account.
I'll have to call TU directly. Apparently my friend told me they're very slow to move and update. That TU score shocked me. No wonder PayPal denied me🤦♀️
Oh yes, those security questions can be a nightmare. One MyFICOer joked about it--I wish I could remember who. He said something like "you have to remember the color of your third cousin's eyes who you saw once 30 years ago." 
Something to that effect.
@CreditInspired wrote:
@Anonymous wrote:
Thank you for the suggestion! My Exp was correct, because it was already available to me. My EQ was only 4 points less than Vantage 3.0. But they still have the collection not removed from my account, and high CU from Barclay's hasn't been removed.
The real shocker was TU. My Vantage 3.0 was almost 38 points higher than FICO. My FICO reports as poor in mid 500's. They still have 2 collection accounts, and haven't removed Barclay's with the high CU. I tried to call EQ but they can't confirm my identity and my account will not proceed for correction until I send them my driver's license, social security card and a written statement. They claim I failed security questions, but there was an address dispute from somewhere I never lived that is tied to my account...and I'm assuming this security question is locking my account.
I'll have to call TU directly. Apparently my friend told me they're very slow to move and update. That TU score shocked me. No wonder PayPal denied me🤦♀️Oh yes, those security questions can be a nightmare. One MyFICOer joked about it--I wish I could remember who. He said something like "you have to remember the color of your third cousin's eyes who you saw once 30 years ago."
True story! In which direction did the sun set on the harvest moon of your birth month, in the light of the pale moon light?
