How Often is My Credit Report Updated?

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How Often is My Credit Report Updated?

By NAZHAT SALIM

William Penn, founder of Pennsylvania, once said that "patience and diligence...move mountains." These traits can also help you tackle something monumental in your own life: your credit report.

Credit report lag is a prevalent cause of confusion for Credit Karma members. Imagine you have just paid off the entire balance on one of your credit cards and you are excited to see this reflected on your credit report. However, when you log into your Credit Karma account, you are surprised and disappointed to see that a change has not been made.

Before you panic and think something must be wrong keep in mind that, in general, creditors forward information like updated balances and newly opened accounts to the credit reporting agencies on a monthly basis. The first factor to consider is that not every lender reports to all three of the credit bureaus. Moreover, the day of the month that each creditor sends updates varies, so even if you paid off all of your credit cards on the same day, the new balances might not be reported simultaneously.

 

Your account balance may not always match the one on your credit report. [Tweet this]

 

Beyond your balances, familiarizing yourself with how hard inquiries and public records are reported is also key. In the case of hard inquiries, credit bureaus update inquiry information almost instantaneously, so you should be able to view this information as soon as it is dispatched. However, with public records such as bankruptcies, judgments and tax liens, the process can vary widely. Even if you have dealt with an outstanding item, the credit bureaus might have not yet received the updated information since every court works on a different time-table. More generally, negative marks can remain on your report for years, so there are not always quick fixes available.

Patience is crucial when it comes to seeing change in your credit score and reports because, as illustrated above, these matters can take some time. Give it a month or two before you worry because in most cases the updates are on their way. However, it is always a good idea to remain diligent about when you have made payments or had negative marks removed, how many accounts you should have open and the information that each bureau has on file for you. In the event that you notice incorrect information on your credit report, you can file a dispute with the credit bureaus that are reporting the misinformation.

All in all, nothing can keep you on top of things like a little bit of patience and diligence. So the next time you check on your credit, keep in mind William Penn's words of wisdom. History is on your side, and so is Credit Karma!

About the Author: is a Member Support Specialist at Credit Karma. She spends her free time reading, devouring desserts and talking to her slightly deaf cat, Pusho. When she's not doing those things, she is dreaming about doing them.

Editorial Note: The opinions you read here come from our editorial team. While compensation may affect which companies we write about and products we review, our marketing partners don't review, approve or endorse our editorial content. Our content is accurate (to the best of our knowledge) when we initially post it, but we don't guarantee the accuracy or completeness of the information provided. You can visit the company's website to get complete details about a product. See an error in an article? Use this form to report it to our editorial team. For questions about your Credit Karma account, please submit a help request to our support team.

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Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

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All Comments

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1 Contribution
235 People Helped

Helpful to 235 out of 254 people

Wow, lots of haters out there.  My account has not been updated either,but I believe the real problem is Transunion.  They are the Gods of Credit.  People should write their congress, such as they are, local and federal, and demand that credit score companies follow the same guidelines.  And incorporate a branch that truly helps people fix their reports for free.  Headache, yes, but we are the ones letting them get away with it.

Reply by
Slumbersausage

1 Contribution
525 People Helped
Helpful to 525 out of 593 people

NOT TRUE!  If you are willing to pull your credit report from TransUnion you'll see changes, as they occur, monthly.  This can get a bit pricey (as you will be paying to get these reports each month).  The problem is with Credit Karma.  They are in cahoots with credit card companies and short term lenders.  There answer to every problem is to try to sell you another credit card, a loan or put you in contact with a "credit repair" agency.  It's not in their best interest to help you.  This month I had 10 negative items removed from my credit report, including a bankruptcy, and I reduced my credit card balances to $0 ( a reduction of $15,000).  Credit Karma doesn't reflect this at all, while TransUnion and Equifax do. 

When using Credit Karma just keep in mind who they are REALLY working for (hint:  It's not you, you don't pay them anything to use their "service")

Reply by
jcarl2109

2 Contributions
60 People Helped
Helpful to 60 out of 70 people

Enter Your ReplyYou are right on the money there.

Reply by
karlosakitty

4 Contributions
124 People Helped
Helpful to 87 out of 140 people

you think writing those people will change a thing? guess again, don;t be naive there are agencies out there actully more powerful than the government. Besides like someone else in another comment said this siye is a joke they are in cahoots with the credit card companies trying to suck poor schmucks with crappy credit into getting yet another card to fix their credit. wake up sheeple if you pay cash for things you won't have a bad credit history building decent credit is quick and easy if you don't owe money to anyone, Ifyou don't have it to spend borrowing it which is what you are doing with the card and paying higher interest isn't going to get you out of debt andn improve your score. Duh?

Reply by
Tapp1959

1 Contribution
167 People Helped

I have filed multiple complaints with the FTC about the 3 major credit reporting agencies to no avail. My complaints were never even acknowledged, in so being, a total waste of my time. Everyone entitled to a free copy from all 3 bureaus once a year. I go to annualcreditreport.com, download/save to desktop, go through each report and dispute ANY discrepancy on each of the 3 reports. Credit Karma is not accurate, but then too, neither is the credit reporting agencies. All boils down to the bureau's "accountability".  Due to the complacent functions of past and present reporting accurately, does not carry "weight" like it use to. Their mentality coupled with the lack of their own actions with the public has been their own downfall. Credit Bureaus "outsourced"? Much like many of the cards used today. Walmart, JC Penney, Capital One, Younkers, Dell, Target, Sears,  etc.... "foreign entities".

Reply by
teetippingtom

1 Contribution
0 People Helped

Enter Your ReplyINDEED!!!!!!!!!!!

Reply by
Lightbeauty888

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0 People Helped

I Need the update for my vehicle, don't owe $15,000 should show $12,000 or less. Some credit card balalnces are lower as well. THanks! 

1 Contribution
0 People Helped

I agree with Slumbersausage.  A few days ago I cosigned a lease and found out my credit score is literally 87 points higher than what Credit Karma reports.  Since many changes were recently made in my life that would positively affect my credit, I figured CK might be a litle delayed.  But no.  After today's update on CK it shows the same as last week.  87 points lower than my actual score.  The information has obviously been reported to at least one agency, so it's CK who's withholding.

Reply by
am20027

1 Contribution
0 People Helped

Enter Your Reply I am TIRED OF BEING MEASURED! I just started paying off my debts and saving money.  As soon as I am done with this debtors I will finance NO more!  I will save up for purchases.  I am not going to be told I am not worthy.  I started in September took an FPU class and I am on my way.  Come along.... save money and forget about credit bureaus and loans.  I am happier now!

Reply by
surferjohn54

4 Contributions
2 People Helped
Helpful to 1 out of 1 people

Slumbersaus, you couldn't be more wrong. KC only reports what the bureaus's tell them....Your pricy stuff gets you your score right now, My free KC is every Sat. morning. And it's free.They tell you how they do this, they don't hide things like TU, EXperian and EQifax, none of them try to help, my score has gone up 150 pts. in 3 months due to advicce from CK. I don't care they make .04 cents when I apply for a card on here, If you go to Face Book and click any advitiser, it's the same thing. Internet stuff. Why is it when I apply for a card at midnight, that HARD HIT gets on my report right then, lowers my score, thanks allot.. BUT, if anybody makes a mistake, 30-45 days.... Whose on your side ??? Not the agencies. Baptist hospitals put 2 collections on mine, 1 account, $25 and $99, lowered my TU 73 points.. I only went to the Dr. and should not of had to pay somebody else to have my blood drawn.So I got it straight, paid them, when Humana should have, and they said Thanks for your money and we'll correct your report in 30-45 days... Whose on your side ??? Nobody really.CK, just helps and at least they give you an idea of how much you might be approved by or not approved.The scrore is FREE cuz they get pennies when you applie, only thosands apply so that's how they stay in bussiness. What I learned was and I have 2 Cap 1 cards, one reports on the 4th, thus my score will change on the 5th, the other reports on the 8th, thus on the 9th my scrore will change. Paying money when on Sat. am CK tells you the score as of Friday, the same if you bought a car on Sat. At least CK helps you with tips. I asked Cap 1 to take off late reports and they took off 2. I asked for lower interest rate, did that. Tips lke these I didn't know about till CK told me. If you don't like CK, why be on here ??? Good luck paying for you immediate score, that could buy me a Starbucks for you pay on your cards, no offense...

Reply by
sarsene

1 Contribution
0 People Helped

Credit Karma is great. I love it, use it everyday to monitor my credit. My credit score went from 480 to 720 in 2 years. All this because of credit karma. Thank you Credit karma for putting such a wonderful website  to help people to build or rebuild their credit

Reply by
cascade545

2 Contributions
1 Person Helped

Again, as the article stated, updates need to be received.  Do you or anyone know how often updates that Karm requires, are received and when?

CK was a tremendois help to me in getting my score for the low 400's to a 745.  Being able to tack, organize and get a whole picture view of my credit, made thing a lot simpler.  Personally I only have thanks to give CK.

Reply by
paronegolf

1 Contribution
0 People Helped

Enter Your ReplyI returned the Indigo card sent and never used it

Reply by
papawolfman1

2 Contributions
0 People Helped

Enter Your Reply  And they shouldn't make your score go down when they run a check on your credit score either i feel it is just plain wrong no matter how you look at it.  Jack Economous 

Reply by
6000Plunky

1 Contribution
0 People Helped

Enter Your ReplyI am experience a problem with a loan company that more want to fraud me. My bank mailed a check for bill pay. The loan company mention that they donot received the certified certiciate, but the bank substracted from my bank account and the check was tracked from the mail master post office to the date the check was delivery. My question how can I dispute the loan company throught the credit buearu when it listed on my credit history which the report would be incorrectly reported

1 Contribution
164 People Helped

Helpful to 164 out of 173 people

Wow not quite sure what you are all on about  I check my score every week and may not be as fast as other site but it does update fairly quickly  have used this site for years has help me out many times

Reply by
vivianna67

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60 People Helped
Helpful to 60 out of 67 people

It does to me too! Helped me so much! 

Reply by
Bearden13

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Helpful to 75 out of 76 people

Enter Your Reply I also see updates on my accounts on a regular consistent basis though credit karma,  however remember that credit karma is free and these credit card and loan companies benefit from having access to credit karma members.  Be smart, don't get new credit cards or liana just because they appear to be available,  use good judgement,

Reply by
dbrown43059

9 Contributions
71 People Helped
Helpful to 64 out of 70 people

It is helping me right now...I think in general patience is the key when rebuilding credit it won't happen over night, sort of like losing weight  in a way.  I think you get from it what you put in really.....I look at my score every month and make sure the payments I am making to each creditor is being reported.  Other than that not sure what people are expecting, HELLO it's a free tool it's up to you how you use it.

Reply by
Alfrie

1 Contribution
0 People Helped

EnteI do agree with your 

Reply by
MissMoneyBlu

4 Contributions
12 People Helped

 I find that Credit Karma is SUPER helpful and I absolutely see an update monthly..sometimes  even weekly except for a few creditors that I looked into that take their sweet time. They personally dont update montly so how can Credit Karma get the info if your creditor updates when it feels like. I agree with you, the site is very fair

Reply by
buddysboss

1 Contribution
0 People Helped

Enter Your Reply: Neilereese is right.  I went to a Bank, not a debt consolidator and when asked if I knew my credit score, I said, "I do, Credit Karma has me at XXX."  He said, "I love Credit Karma, it's always a bit conservative, but usually right on the button."...  as it was, Credit Karma was exactly the same as the other two he uses to qualify borowers.  Is it possible that complaining about your credit numbers actually "LOWERS" them???  LOL....

Reply by
34Gadgetman

3 Contributions
12 People Helped

I agree "neilereese" ... I too have used Credit Karma for years, and I check my score weekly! I have watched my score change from a low of 595, to a high of 720. This site is very helpful, and I appreciate that it is free. I also totally understand that the cost of doing business for them, is to be in association with credit and loan companies ... THAT too has benefited me several times. Bottom line is, I have used the site to help myself change my spending habits; I now know how to make "credit use" work to my benefit.

1 Contribution
38 People Helped

Helpful to 38 out of 38 people

Something I learned about recently (having been totally ignorant of anything related to credit most of my life), is that, in addition to paying off the entire balance each month, being aware of your balance on the statement closing date is also vital, because it is reflected in your "credit utilization ratio," which is NOT usually calculated on your payment due date. It's the amount of credit used compared to your overall credit, like if you have $1000 credit limit on a card and a $10 balance, it's 1%, which is excellent, because it shows that you're using your credit wisely, rather than being irresponsible or not using it at all. Credit Karma provides you with this ratio in your score profile, but when it's calculated and reported by your credit card company is trickier. I can't explain it well enough here, so do a search for it. When you look at the factors in determining your credit score, utilization is a big deal. So find out what your statement closing date is and when the credit card company reports the utilization ratio to the credit bureaus, and strategize as to how to hit as low as possible but above 0% on that specific date.

My company, CapOne, reports the CUR on the 27th of every month. My payment due date is the 24th. So if I pay my balance in full on the 24th, great. But if I then charge $500 (of a $1000 credit limit) on the 26th, that will be reported as a 50% CUR, which is bad, even if I'm sure I will pay that $500 off before my next month's payment due date. I think it's because, if the credit bureaus see that you've used 50% of your credit, they see you're at a higher risk of not paying in full by the next month, or not making the minimum.

I don't know if this makes sense, so like I said, do some research. I read about a dozen articles before I understood it. It will probably take you fewer.

Reply by
zearl

6 Contributions
10 People Helped
Helpful to 10 out of 11 people

You are absolutely correct! 1-5 days after your due date it is reported balance and payment and non-payment

1 Contribution
207 People Helped

Helpful to 198 out of 268 people

Baloney!!!!  If you are so quick on the draw to report NEGATIVE information, you should be just as quick to report the positive!!!  The above article/post is a total SNOW JOB!!!  What - you think we were all born yesterday?  I'm finding out that CreditKarma is just another come on to get people to buy into your advertisements.... you report the negative continously so that people will buy your advertisers products to "improve" their scores...just a buch of crap!

Reply by
Smackmdown

1 Contribution
68 People Helped
Helpful to 68 out of 88 people

I agree, and also why the penalty for a 'Credit Inquiry' . This scoring system is too complicated and makes no sense.....

Reply by
butterflynv

2 Contributions
220 People Helped
Helpful to 103 out of 119 people

Yes, creditkarma is very slow to report the positive info BUT NEGATIVE info is  reported at the speed of light. I am getting out, I found a new site called credit.com they give out free scores just like karma does

Reply by
butterflynv

2 Contributions
220 People Helped
Helpful to 117 out of 143 people

Yes, creditkarma is very slow to report the positive info BUT NEGATIVE info is  reported at the speed of light. I am getting out, I found a new site called credit.com they give out free scores just like karma does

Reply by
forgocn

1 Contribution
214 People Helped
Helpful to 214 out of 235 people

No one is forcing you to use CK, you can go back to the old way of doing things like being completely blind to what's going on behind the scenes. Or requesting your free copy one a year from the 3 credit bureaus. You make it sound as if CK needs to report pro's and con's to your report when really it is just a tool so you can see what's being reported. 

I've been using CK since 2010 and it's helped me strengthen my credit when I knew nothing about how it's computed.

Lastly, it's free. Do you want someone to pay for the tool that helps you with your finances? They are providing a service, if you don't need a new credit card or mortgage, just stear clear of those areas of the site.

Say thank you instead of bashing them.

Reply by
1ANDONLYME

1 Contribution
36 People Helped
Helpful to 36 out of 46 people

I loged on to lending tree, trying something new... It was free, and also stated that my Transunion score was 678 yet credit karma says my score is only 638 from transunion... I applied for a new credit card from the same site and got a sixty secound approval, for a capital one quick silver credit card... 0% APR   This is not real enough for me I stared of with messy credit 504...  I never really needed it, until now... I have been on this roller-coaster since Febuary 2014. Up an down and around,  now i've learned the process of using these credit cards to built my score up the right way... It took a min, now I see what I have been doing wrong... I now have A's across the board with two F's nothing major...

Reply by
metalicorich

1 Contribution
1 Person Helped
Helpful to 1 out of 3 people

you are right quick to report negative but not positive...

Reply by
cellspro

1 Contribution
0 People Helped
Helpful to 0 out of 5 people

BINGO! BALONEY!   Liberals may fall for that but I am a Conservative.  Credit Karma is designed to keep Democrats voting for Democrats with false hope. Conservatives are Real!  Bad Credit doesn't stop you Big Government does...

Reply by
hutch3837

1 Contribution
1 Person Helped
Helpful to 1 out of 3 people

Ditto on negative things reports instantaneously and postivie not. I transfered some balances and paid down the total a couple grand. Scored drops 50 points....but I owe less money have have 100 on time payment rate. Elizabath Warren save of from this BS. This is too important not to be regulated.

Reply by
karlosakitty

4 Contributions
124 People Helped
Helpful to 0 out of 1 people

i reported these people as spam and they still get through my email. i came and had alook after alnost 2 years wondering why they are stil messing with me, it is just like you say . anyone online or off that offers to help you build your credit or repair it is a fake and scam artist and that is what thse people are. do you talk to telemarketing recordings? ten why do you come to this site it is the same thing. heh?

you won't see me here again hope this opens some eyes somewhere

Reply by
sfcrock2000

5 Contributions
26 People Helped

My credit karma credit reports are  up to date with my true balances just about one month behind my payments very good info, I just get alot of there credit cards offers in the mail, 2016 will be getting new cards when my score reaches over 700

Reply by
bfesting

1 Contribution
0 People Helped

How negative is that!  

1 Contribution
118 People Helped

Helpful to 118 out of 153 people

I am patient but waiting for over a 6 months is not acceptable.

Reply by
klcr

5 Contributions
170 People Helped
Helpful to 45 out of 63 people

I think I may have stumbled onto something this afternoon, is your mortgage account "Linked" in Credit Karma"?

Reply by
hamma27

5 Contributions
29 People Helped
Helpful to 29 out of 42 people

Make two of us ..

Reply by
Rae0911

1 Contribution
82 People Helped
Helpful to 82 out of 118 people

The last time my credit was "updated" was 2012. Currently says next availbale update is December 24, 2013. We're going into 2015. This site is a joke.

Top Contributor

Reply by
HOPEIAM

15 Contributions
34 People Helped
Helpful to 1 out of 3 people

I dont get this site at all. You get what you pay for. It's free! It doesnt update properly. If I went by this site I would be in some deep (mess). It doesnt update nor does it give accurate information.

Reply by
jbar3837

3 Contributions
21 People Helped
Helpful to 1 out of 2 people

I get your point. I'm wondering why my Credit Karma score looks excellent but when inquiring about a loan I was told my credit rating is actually about 50 points less than what Credit Karma states. Had I not seen my Credit Karma score, I would not have even considered applying for a refi. So now I have another MARK against me. Also, does anyone know how to contact a live body at this site?

Top Contributor

Reply by
Halle123

11 Contributions
359 People Helped

It's odd with how some "THIRD PARTY CREDIT SITES" operate. I use to actually CALL CK, & complain that nothing was up-to-date! (hahaha) They'd explain it wasn't up to CK, it was Transunion who hadn't updated factual information, while "I" had current Tansunion reports that proved this false.

Now they're including what Equifax reports. (God help us all!!)... These days EVERY bank, credit union, or national RETAIL CHAIN checks our credit-worthiness through non other than Equifax, and Transunion as well as Experian follow suit to what THEY say... Now, I'm not sure why this 3rd part site hasn't been updating certain people, because my report is updated like clock-work!! (When I log-in, & read my scores, it gives me the next date my account should be updated...)

But, in all seriousness, Credit Karma is merely a 3rd party credit site. They are funded by certain credit card companies, credit unions, and lending companies. I would NEVER take anything they reported as "factual" in our economic world.

Reply by
johnboye95

1 Contribution
0 People Helped

If you dont have enough information on your credit report, it will recognize as not having a report at all and it will not update.

That might be your problem.  You need at least a couple things on there.

Reply by
GaryHewitt

2 Contributions
13 People Helped

I have only been using CreditKarma for a few months but I have seen my credit score go up because I disputed a couple items. When you see sopmething wrong the fastest way to correct it is to dispute it at all credit reporting agencies that have it listed. Years ago I was paying the $25 a month to moniter my mothers credit and in six months was able to increase he credit scores by almost 200 points. After she divorced my father there were many items that had to be updated. paying someone else to fix your credit is a big waste of money unless you can afford to do it instead of spending the time to do it yourself.

6 Contributions
85 People Helped

Helpful to 47 out of 54 people

Lol. I've been using Credit Karma for years and it updates every week for me. Only delay was when they added TransUnion a few months back. Also, it's free, so quit complaining.

Top Contributor

Reply by
TeamCKJen

366 Contributions
626 People Helped
Helpful to 6 out of 9 people

Thanks for sharing your thoughts!

Reply by
kclsparky

8 Contributions
205 People Helped
Helpful to 28 out of 29 people

Alot of people out there having issues with CK. I've been using Credit Karma for about 8 months and it updates for me every week. Not all payments show up on every update. If your creditor has'nt reported to the credit bureau's as of your update, your not going to see a change in your report or score. Credit Karma can only report what the credit bureau's have on their reports. It's your creditors in most cases that are lagging. I have one account that won't link (SYNCB/WALMART DUAL CARD). I'm warning anyone who does'nt have a (SYNCB/account) it could be a PENNIES, LOWES, HOMEDEPOT, WALMART and a number of other companies do not apply for these cards they have a very bad past reputation.BAD. Check them out online and read the reviews before applying. CK thanks for all the information and suggestions that have helped my score go from a 575 in Feb. of 2014 to a 756 on Equifax as of Feb.20th of 2015! THANKS again.

Reply by
funkyguy

1 Contribution
2 People Helped
Helpful to 2 out of 5 people

Enter Your Replyx2

1 Contribution
91 People Helped

Helpful to 91 out of 123 people

I HAVENT SEEN AN UPDATED FROM CREDIT CARMA ABOUT MY ACCOUNTS FOR 9 MONTHS NOW THATS NOT GOOD BUSINESS HOW CAN THEY PUT UP A SCORE WITHOUT PROPER UPDATES??????

Reply by
klcr

5 Contributions
170 People Helped
Helpful to 67 out of 93 people

I think I may have stumbled onto something this afternoon... Are your accounts "linked" with the financial institutions on Credit Karma.com? I don't think it's a matter of TRANSUNION not supplying updates, it's a matter of the accounts not being linked, at least I beleive that is the issue.. 

Reply by
wirelessgator

2 Contributions
133 People Helped
Helpful to 108 out of 132 people

Enter Your Reply

They have a serious problem with their suggestions for recommending credit cards to apply for and the chance of getting approved. FALSE!!!   They have no idea if you will get approved. They only consider your TransUnion score ONLY!!   Equifax could care less about Credit Karma.. Equifax should be banned for being considered with rating your credit report or score.They believe any garbage that is sent to them from any collection agency. They never check the information for accuracy.

Reply by
jazne

2 Contributions
11 People Helped
Helpful to 11 out of 18 people


  1. Enter Your Reply

Reply by
dbrown43059

9 Contributions
71 People Helped

If you accounts are not being updated then you need to find out why expecting this site to tell isn't going to happen you need to contact either Transunion, Equifax and Experian...

1 Contribution
4 People Helped

Helpful to 4 out of 4 people

Watch out for the Credit.com website and application!  Read the small print!  When you apply, Credit.com asks all three credit bureaus to enroll you in their credit monitoring program.  That's three extra credit bureau charges per month to you until you can get it stopped!  CreditKarma IS free, just don't be too quick to bite on the many offers for credit cards.  Some can be good or not based on your own situation.  

Top Contributor

Reply by
love14mr38

134 Contributions
169 People Helped
Helpful to 2 out of 2 people

Thanks for informtion. I found that out whn I read the credit cards offers and charges. They say: Bad Credit, No Credit, or Excellent Credit. Majority of the time it relates to "Excellent Credit". Wih  a score of 700 and above. I do not apply. I just pay what bills I hav and applied to my Bank and I received a credit card of 10% interest rate. APR!!!

5 Contributions
170 People Helped

Helpful to 38 out of 50 people

In addition to the earlier email I sent to credit karma help desk, I have also noticed that Fingerhut is not linked...  After I went back to see which accounts were not being updated, I noticed that they are indeed the ones that haven't been linked... I find that odd because I have two credit cards with the same institution and only one will link up.  The one that DOES link up, is updated by TRANSUNION, the one that DOESN'T link up is NOT updated by TRANSUNION... AND the other 4 accounts that I CANNOT LINK, haven't but updated by TRANUNION since FEBRUARY!!!!!!.. I beleive there is a PROGRAMMING glitch that needs to be worked out... If you need more detail (programmers) get a hold of me :) I will be glad to point out where I beleive the flaws are.....

Reply by
GaryHewitt

2 Contributions
13 People Helped
Helpful to 13 out of 15 people

One Im[ortant thing to remember about CreditKarma.com is that it is run by TransUnion. While they do have an agreement with EquiFax to show their reports as well which I find helpful. There was talk about them also signing an agreement with Experian so that we would get all three major agency Credit reports but have not heard much about that in a while.

Top Contributor

Reply by
finlander2013

20 Contributions
165 People Helped
Helpful to 19 out of 23 people

IF CREDITKARMA WAS LINKED TO TRANSUNION , EQUIFAX AND EXPERION YOU WOULD GET THE REAL DEAL. CREDITKARMA IS RUN BY TRANSUNION AND SHOWING EQUIFAX IS NOT WORTH SHOWING REALLY , MOST LENDERS LOOK AT EXPERIAN AND YOU ARE RATED BY THEM ........CLEAN UP YOUR ACT CREDITKARMA AND MAKE YOUR SITE UP TO DATE BY INCLUDING A TRUE CREDIT SCORE FOR ALL THREE CREDIT REPORTING SITES ....THESE CREDIT SITE REPORTS YOU HAVE TO PAY FOR. WANTING SOMETHING FOR NOTHING IS GREAT BUT, BE CAREFUL OF YOUR PAYMENTS AND IF YOU SEE AN ERROR CONTACT  YOUR LENDER FOR NOT REPORTING YOUR BALLANCE ON TIME. GET IT ...........I DID AND WOUND UP GOING AFTER THEM WITH SOME BETTER RESULTS .

1 Contribution
2 People Helped

Helpful to 2 out of 2 people

when we pay a balance IT SHOULD BE REPORTED THE SAME DAY TO THE equifax, transunion and everyone else who needs to know. THEY ARE QUICK TO LOWER THE SCORE WHEN WE SPEND....SO PUT IT BACK UP WHEN WE REPLENISH THE ACCOUNTS.

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