I pay my bills. On time, even. So why does my credit score say, "Fair" or "Needs Work?"  Now let me ask you this: When is the last time you really looked at your credit? Do you see what they see? I had a medical bill from about 6 years ago that was PAID OFF! But it showed as unpaid and outstanding on my credit. What the heck is that all about? I never took the time to really look at my credit so I did not know it was on there. So I disputed the debt through Credit Karma and **POOF** it was off of my credit and my score instantly went up. Give it a shot if you think your credit should be better than it shows! Remeber: DISPUTE! They are not always right.