I Have Outdated Information on My Credit Karma Account. What Can I Do?

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I Have Outdated Information on My Credit Karma Account. What Can I Do?

At Credit Karma, we give you access to your TransUnion and Equifax credit report information. In most cases, creditors report the past month's activity to the credit bureaus every 30 days, so we suggest that you check your account on Credit Karma at least once a month. Sometimes, though, you'll see a credit card that hasn't been updated on Credit Karma for several months. What's going on here? Why are you seeing old information?

If you find yourself with an account that lists outdated information, you may be experiencing one of the following scenarios. Let's do a little digging and talk about what you can do with that old information.

Scenario #1: The credit bureau has stopped sending us new information.

All of the credit report information we display comes straight from TransUnion and Equifax, two of the three major credit bureaus. We don't gather information from creditors and creditors don't report directly to us because we're not a credit reporting agency or credit bureau. So if TransUnion or Equifax has stopped updating us on your credit card, we will continue showing information from the last time they sent us any new activity.

What should you do? Reach out to TransUnion or Equifax and see if they can tell what's going on. They might have a glitch in their system or they might not have any new information to report - which brings us to our next scenario...

Scenario #2: Your lender has stopped reporting information to TransUnion or Equifax.

It costs lenders money to report information to the credit bureaus. If your account has become inactive, then your lender may not be inclined to keep reporting your account information. In some cases, they might even close your account.

What should you do? Contact your lender to see if they're still reporting information to TransUnion and Equifax. If they've stopped, find out why and how you can get them to start reporting again. Additionally, if it's been a while since you've used your credit card, take it out for a spin. You don't have to go wild, but making periodic purchases - however small - will help keep your account active.

Scenario #3: The account has been closed or bought by another lender.

This situation typically applies to lost credit cards that are closed and a person is issued a new one. The closed lost credit card will sometimes continue reporting as an open account but with old information. This can also happen when a mortgage or student loan is transferred to a different lender. The old loan will stick around in a limbo state and will eventually be removed by the credit bureau.

What should you do? It's up to the credit bureaus to keep credit reports in order, so we again suggest contacting them to correct any errors they may have or inquire about the status of an account. You can also contact the lender directly to ask about its reporting status and request a change. Just keep in mind that your lender may not be required to honor your request.

Scenario #4: Something's up.

Then again, it could be that something weird is going on with a particular account. For instance, members of a particular credit card may notice something strange occurring in the reporting of their accounts, all around the same date. Issues like this can be temporary, so that's when it's helpful to tap into the knowledge of the rest of the Credit Karma community. Try posting your questions in our Credit Advice Center and see if the Credit Karma community can help you out. A Credit Karma member out there might have the answer.

Like we mentioned earlier, all of our information comes from TransUnion and Equifax. Credit Karma is a free resource for monitoring your credit and checking for inaccuracies. We're unable to dispute errors directly with the credit bureaus, but we've compiled some guidelines on how you can dispute errors and clean up your credit report.

If you have any questions about this, feel free to reach out to our support team!

About the Author: is the Communications Coordinator at Credit Karma. When she isn't writing her way through life, you can find her reading about the latest in entertainment and watching television almost every night of the week. Say "hi" @noodlemaine!

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.

Advertiser Disclosure: We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

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
32 People Helped

Helpful to 32 out of 44 people

I have looked at all 3 credit bureau's for something that is still showing up on Credit Karma that was paid off, and the company sent paperwork to all three bureau's.  How come it still shows up on Credit Karma.

Top Contributor

Reply by
CKCharmaine

512 Contributions
1067 People Helped
Helpful to 25 out of 44 people

Hi there, if something still shows up on Credit Karma, that means we're still receiving that information from TransUnion. It's also possible that TransUnion hasn't updated their information to say that this item has been paid off yet. Hope this helps!

Reply by
douliss1

1 Contribution
44 People Helped
Helpful to 44 out of 56 people

The answer the company gives is a bunch of crap.  On the trans union credit report it is reported as paid off.  Credit Karma wants to insist it is trans union's mistake.  Why would they be reporting something to you that is no longer on their report???  The last time trans union sent anything to you for my mortgage account was 8 months ago.  If you do not know what you are doing say that instead of saying it is someoone elses fault!!  Get your stuff together credit karma!!

Reply by
NYC2123

2 Contributions
1 Person Helped

So... It's TU's fault for not providing up to date info to CK? That doesn't make sense

Reply by
vrk4919

2 Contributions
0 People Helped
Helpful to 0 out of 1 people

If you say you update credit report every two months, than update every two months.

If you only update every two years, than say update is every two years not every two months. (My 'good information is every two years'. not as you say 'every two months.

1 Contribution
4 People Helped

Helpful to 4 out of 4 people

I have a account from years ago that is closed is there away to still pay it off? If so how?

1 Contribution
5 People Helped

Helpful to 5 out of 6 people

My credit card company no longer reports my credit card information to Transunion but have started reporting to Experian only.   Why would the lender change which credit bureaus?

Top Contributor

Reply by
CKCharmaine

512 Contributions
1067 People Helped
Helpful to 3 out of 6 people

It costs money to report to the credit bureaus, so it could be a business decision. You can always contact your lender to find out the reasons behind this change.

4 Contributions
2 People Helped

Helpful to 1 out of 1 people

it shows a balance of $0 on an account from 2005 and I know this to be true because I had to pay it before getting a settlement from a auto accident in 2009. So I know it's paid off but it keeps on showing up on my credit report as paid and balance of $0 and closed account. How do I get this off my report? I still have a copy of my settlement showing it as paid also. 

How can I get this cleared up? 

Reply by
rpstevens

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

Credit bureaus keep your data for 7 years after the last payment date.   If it doesn't fall off your report within 180 days from the 7 year threshold then contact the credit bureau and inform them the old debt is still showing.   

1 Contribution
16 People Helped

Helpful to 14 out of 26 people

I read a few of these to see if I could contribute, only to realize, that the people asking didn't even read the title of the article.  It's no wonder you have errors on your ...probably everything.  If you don't read the article, don't ask questions. 

If you have a question, go back and read the article, once more, looking specifically for the answer you need.  

Then, if you still have a question. ask away.

Now, 

Next person that asks how to have Credit Karma remove, edit or change anything on their credit report is an idiot.

or still doesn't read before asking their stupid question.

Reply by
Newport89

3 Contributions
33 People Helped
Helpful to 2 out of 7 people

Thank you. It seems like no one wants to find the answer, but instead have it spoon fed to them, in turn not learning anything. And of course the CreditKarma representatives have to be polite about it, but I'm sure are shaking their heads at the same time. This is for you, CKChamaine!

Reply by
racecar53

2 Contributions
8 People Helped
Helpful to 8 out of 10 people

@newport, People ask for answers instead of digging not because they want to be spoonfed, but because people in general like asking, sharing, helping and connecting with others. There's no need for you to climb up on your soap box and stigmatize others just so you can grab a little spotlight. Drop your negativity and get over yourself, pleeeease...

Reply by
dogfight5

1 Contribution
0 People Helped

Enter Your RYOU SOUND LIKE AN ASSeply

1 Contribution
8 People Helped

Helpful to 8 out of 14 people

i wish that there was updated infomation for my car lone it hasnt been updated since april. what is going o with that. can i get updated infomation please

Top Contributor

Reply by
CKCharmaine

512 Contributions
1067 People Helped
Helpful to 6 out of 10 people

You can contact your auto loan lender or TransUnion to investigate why your loan hasn't been updated.

3 Contributions
4 People Helped

Helpful to 3 out of 4 people

Any tips on having a medical bill that's not mine corrected? I've contested it but it never gets removed.

The bill is a rather large hit on my credit, and too much for me to just pay off. It was for my father who passed away 5 years ago. He has the same first/last name that I do and we have shared an address, so I feel they are assuming the bill must be mine. 

Reply by
Daishia

1 Contribution
7 People Helped
Helpful to 7 out of 7 people

Point out the different social security numbers. They will have to look into it... My mothers information used to be on my credit reports then I reported that it wasn't even me. I refused to send in my social security number but federal agencies have a way round that. After some time it came off

Reply by
lauferw

4 Contributions
3 People Helped

If you don't get any help from the agencies look up who their registered agent is for your state and take them to small claims court.  They will then likely contact you and be motivated to fix the problem.

Reply by
lauferw

4 Contributions
3 People Helped
Helpful to 2 out of 3 people

You can also file a compaint with the feds: https://help.consumerfinance.gov/app/creditreporting/ask

2 Contributions
1 Person Helped

Helpful to 1 out of 1 people

I'm sorry but there's no way you're getting updated info directly from TU. I have a recent copy of my TU report and you are still showing judgements that TU deleted 6 months ago. 

3 Contributions
2 People Helped

Helpful to 1 out of 1 people

I came to look on this, because my credit card with OldNavy is completely paid off, and has not shown my payment for the last 2 months, along with it saying I can go higher with my credit card with them.  I am so tired of paying for transunion, especially when I can look online with my payment to that store along with all of my credit cards.  Along with the fact that it says on here about payments from the hospital that was taken off 3 years ago.  written down from the copy I got from the hospital that it was done and that I do not owe anything between my insurance.  I think I'm going to look on my computer and see if I had the copy done in more than 12 months and get this taken care of.  

1 Contribution
1 Person Helped

Helpful to 1 out of 1 people

My student loans are not correct on my Credit Karma acount. For some reason they will not allow me to connect the two loan amounts to the one company that holds the loans. So Credit Karma is reporting an extra $30K on my Student loans because there is no way to tell them that the two amounts add up the reported Student Loan amount. I have $59K in student loans that are broken into two different amounts because of the two different types of loans. However, Credit Karma refuses to see that the two amounts reported, add up to the total amount reported by Trans Union, so only one amount is 'linked' to the credit Karma, while the other one gets 'reported' by credit karma as something completely different. Get your stuff together Credit Karma...

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