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Credit Advice
Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!
Question
How can I get credit bureaus to accurately report my yearly earnings?
I believe the bureaus have me listed as making less money than I do.
Asked by
CharleneK
2 years ago
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Karma has me listed as having an auto loan and a mortgage. Both have been paid off. Can you help?
joyparmet1 2 years ago
Credit Karma support should email you directly.
CK Moderator
I have low limits on my credit cards ranging from $300 to $5000. I am self employed. Can I contact the credit card company that has a $5000 limit or the one with a $2000 limit and send them a statement showing I made, for example $100,000 this year, and get my limit raised to $10,000?
eddiegorniak 2 years ago
Answered on other post. Simply call first, they will request documentation of income if they need it.
CK Moderator
how long before an inquiry shows up on my credit report?
lady3213 2 years ago
It is usually immediately or within the day. Just keep in mind many lenders (outside of mortgage) will just run one inquiry on one bureau.
CK Moderator
How does an auto insurance inquiry affect credit score?
edpsych 2 years ago
I bought a house..owe no credit cards.. credit score was in the mid 600's..but still can't get a credit card. What's up with that?
NURSE2U2 2 years ago
Often, if you don't use your credit, you will lose it. Consider Capital One or Public Savings Bank as great starter credit cards.
CK Moderator
Credit bureaus don't actually have your income as part of the credit report. That's why in virtually all credit applications they ask for your income because lenders can't get this information from your credit report. Now in some cases, credit reporting agencies will have append income estimators based on things like your zip code but those aren't used for anything other than marketing.
It is also important to know that income is not used in the calculation of your credit score. Many people believe that income affects credit scores and that people with higher income will have higher credit scores. In reality, credit scores are based on your ability to pay debts back regardless of your income.
superhookie 1 year ago