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Posted in Credit Cards
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Question By
Doggie35

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Credit reporting activity is not correctly stated on your report.
Actual balances are far less than what you are showing. One acct you have a balance over $3,000 and it is zero balance. Why is this as I believe you are then showing an inaccurate overall credit score.

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Top Contributor
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Doggie, first realize that no one but you sees your CreditKarma profile. It is only a tool for you to use to help manage your credit. Creditors generally use FICA scores and the big three credit bureaus.

When you make a payment to a creditor it may be up to 4 weeks before that is reported to the bureaus. It may then be a week before the bureaus get the data posted. Finally, CK only updates weekly now so from payment to CK posting the data it may be as much as 6-8 weeks.

Ideally it happens mush faster and usually does. I would start getting concerned after 8 weeks and you have not seen a your account balances reduced here on CK.

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