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Posted in Credit Cards
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Question By
EdmondSpaLaday

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0 People Helped
Information is not accurate
The totals that were given for my credits cards is incorrect. Can that be changed please.
Also the credit card inguiries were made to LOWER the interest rates on the cards ...which each one did for me....Please correct my score. It should not have dropped 39 points.

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Top Contributor
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You're barking up the wrong tree.

CreditKarma does not make or change your credit score.  They have nothing to do with it at all.  CK only shows scores based on what Equifax, Experian and Transunion are reporting.  And, those 3 agencies calculate their information on what your creditors are reporting.  So, nothing gets done until your creditors pass the information on.

If you've recently made substantial payments to your accounts, it could take 4-6 weeks for those payments to be reflected on your credit report.  Like ChicagoBoss stated, each creditor only reports once per month, and they all report at different times during that month.

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