<prompt> Human: I checked my credit score for the first time today and it was unsurprisingly bad 587. I have one open credit card 300 limit, at 0 APR through april of 2015 one closed 1000 limit, 990 balance, 19.9 APR and my student loans. I initiated forbearance on the account today and set up auto pay job situation has been shaky so i havent been able to make payments and my IBR option expired. The smaller credit card is manageable and I intend to pay off the larger one, but I cant imagine one overdue credit card wreaking that much havoc on my credit. Is there anywhere to get a complete list of inquiries against my credit? will credit karma do it and i just missed it? who can i contact about the card and show I dispute it to see if I can get the claim dropped? Im just really confused about how to manage my credit.  <response>: This is a friendly reminder to visit our FAQ entry on Credit Reports The following areas may be of interest: Credit Cards Collections FICO Credit ScoresAlso, please visit our FAQ!I am a botrAutoModeratorcommentsq11puwhat_is_automoderator, and this action was performed automatically. Please contact the moderators of this subredditmessagecompose?to2Fr2Fpersonalfinance if you have any questions or concerns. 