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Loans showing up twice on your credit reports?....This might help:
You need to check your actual credit reports from the 3 bureaus. I was having this issue with my GMAC loan that was taken over by 21st Mortgage. Credit Karma had BOTH listed, significantly raising my apparent debt. I got my free annual credit report from the 3 credit bureaus and found that the GMAC loan had not been "closed" on my Transunion report. I filed a credit dispute with them, and it was cleared up in 2-4 weeks. Since then, it's also been corrected on the Karma site.

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