<prompt> Human: Started around 6-9 months ago in the high 500s. Spent 6 months paying down the minimal credit cards I have. Paying of things in debt collections not much and getting a secured credit card. Got my student loan payments going now for that amount of time. What I believe REALLY messed with my credit to begin with I was to be deferred while in school but WHILE in deferment they were reporting I was late. Anyways... during the last 6 months my credit karma and capital one credit showed it was slowing improving. To about 690. I go to buy a car... BAM... credit report 550!! Wtf! How can they be THAT far off? I felt like I was doing so good. Now I feel like I just wasted my lol help. How. Am I fix this FAST!  <response>: Get your credit reports from the actual sources, likely Trans Union has you the lowest. CK and Cap One probably have more updated info, Ive personally always found the usual suspects to lag behind or have stale info. If it matters that much to you pay for your own report and contact them to dispute anything old. 