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Member Since: November 2014

Most Helpful Contribution

Updating Personal Information on Your Credit Report

Jan 13, 2015
Helpful to 253 out of 359 people

You can file a dispute with the credit bureau to address that. 

Activity (366 Total Contributions)

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Types of Credit and Their Influence on Your Score

Mar 10, 2015
Helpful to 89 out of 103 people

Closed accounts with negative history usually come off in seven years, but closed accounts with positive history may stay on longer for around ten years to show your creditworthiness. 

How Often is My Credit Report Updated?

Feb 03, 2015
Helpful to 7 out of 7 people

Congratulations on paying down your debt. Member information on Credit Karma can be updated weekly, but credit bureaus usually report updates on a monthly basis. Give it some time and you'll likely see the changes by the next reporting cycle. 

What Is a Security Freeze?

Feb 24, 2015
Helpful to 11 out of 12 people

You'll need to lift the security freeze and allow Credit Karma to access your credit report and score. Once that is set-up, then you can reactivate the security freeze and it shouldn't stop updates from occuring on your Credit Karma account.

3 Money-Savvy Retirement Saving Tips for Millennials

Apr 24, 2015
Helpful to 5 out of 5 people

If you mean account opening and annual maintenance fees, there are custodians that don't charge those fees (such as ETrade or Ally Bank) and some that don't charge those fees but have minimum balance requirements (such as Bank of America $100, Charles Schwab & Co. $1,000). 

Updating Personal Information on Your Credit Report

Jan 22, 2015
Helpful to 8 out of 9 people

You can contact the credit bureau to inform them of the error. 

What Happens to Your Credit After You Refinance?

Jan 29, 2015
Helpful to 4 out of 4 people

An open account with consistent on-time payments is more likely to be beneficial to your credit score than a closed or paid off loan - 

5 ways to stay on top of your bills

Feb 10, 2015
Helpful to 14 out of 17 people

Late payments may stay on your credit report for around seven years after the first delinquency date. 

How to dispute an error on your credit report

Mar 17, 2015
Helpful to 64 out of 84 people

You have many potential credit scores, not just one. The car loan lender may be using a different scoring model (and possibly basing the score on a different credit report) than Credit Karma, which could account for the difference. 

5 ways to stay on top of your bills

May 22, 2015
Helpful to 13 out of 16 people

Payment history can have a major impact on your credit score, but so can several other factors including how much credit you use, derogatory marks, the age of your credit history, how many accounts you have and how many hard inquiries are on your report. As for the difference in your credit scores, you may find this article helpful - 

What Is VantageScore 3.0?

Oct 06, 2015
Helpful to 6 out of 7 people

In 2014, over 2,000 lenders, including six of the 10 largest banks, used VantageScore credit scores.

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