... I am 23 years old and had no idea what credit was till I needed to get a place for myself.? I have checked Credit Karma and they give me one amount and when i call the place they are giving me a much larger amount that i owe, what do i do to solve this? Is there anything i can do to fix my credit and reduce my debt to nothing with out having to sell an organ? Is there any tricks that can allow me to repair the damage that has been done?