My name is Rose Jones business women and entrepreneur with a back ground in mortgages.
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Don't let so called credit repair company's tell you that just removing items will get you into a home or auto today, its not true. Credit is based on history 1st and how you pay your bills, its going to take time a lot of time.
You must rebuild your credit, correcting items that are wrong such as names, addresses and if an account is really yours. An account can be out of the statue of limitations meaning in your state guide lines and you can have to many inquiries. All of these things can bring down your score so all of these items can hold you back.
Pull that credit report and go over it, start disputing the items not yours with back up, do not dispute on line but in letter form certified. When you buy a car know your score before you go in and tell them not to shot gun your credit. Stop applying for credit cards you know you do not qualify for, you can go on line and find a card best for your credit score and you have a better chance on getting it.
Always pay before the due date and if not paid off down to at least 30%.
Always ask when applying for anything what the interest rate is and always read the fine print, an hour of reading is better then a life time of pain.
Credit Karma is not an accurate score reporting company, remember you get what you pay for but it gives you an idea what's on the report.