AUDIT & ELEVATE

Welcome to your Credit Karma Audit Guide — a simple, clear, step-by-step breakdown to help you understand exactly what your credit report is showing you and what to do next.

This guide was created to make your credit feel less confusing and more empowering. Inside, you will learn how to read your report, identify what is hurting your score, and recognize what is actually helping you. We will walk through your negative accounts, positive accounts, inquiries, utilization, and everything in between, so you can see the full picture of where you stand.

By the time you finish this guide, you will know:

• Which accounts need attention
• What actions you should take first
• What is working in your favor
• How to begin improving your score step by step

No guessing, no overwhelm, just clarity.

Whether you are rebuilding, preparing for a major purchase, or finally taking your financial power seriously, this guide will help you understand your Credit Karma so you can start making decisions that move you forward.