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Question By
whatintheworldwereyouthinking

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credit report not up to date
Contacted Transunion, they told me item shown on credit karma not on my credit report. Credit Karma does not work very well.

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It would depends on your definition of "up to date" means. Your creditors would need to report/update your activities to Credit Bureaus first, Creditors generally only reports once a month and CK only pull your reports once a week, so it can easily be 4 weeks before your activities reflected here on CK. 

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Credit Karma shows an item on Transunion, Transunion told me there is no such item on much credit report with them. So someone has it wrong, if it doesn't exist with Transunion, for the past three months, then why is it on Credit Karma. So who am I to believe Credit Karma or Transunion.

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Reply by
JohnnyRain127

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What item(s) are you referring to? Is it actually listed on credit report or from CK's editorials about your credit? CK got its report directly from Credit Bureaus. Who you should believe? Well. No creditors pull your credit report from CK, so in essence, whatever CK "said" about your credit has no relevance. Have you pull a credit report directly from Credit Bureaus yet?

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I'd also check your Experian credit report.  Credit Karma pulls from both Experian and TransUnion.

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Reply by
ANGELCRE

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Oppsss....meant to write Equifax!!!

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have you looked at you Free Credit Report from TransUnion and see if the item in question is truely on the report or not?

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