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Question By
gbstyuk

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so i havent paid my gym member ship and i dont know why it has not shown here /

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First off, Credit Karma is here to TEACH how credit works.  Second, there are three credit bureaus and the information from only two is shown here for the education process. AND, it is entirely possible that the gym does not report to a credit bureau. I advise reading the articles here so you can learn how credit works.

Top Contributor
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It is possible that they do not work with a debt collection agency, it is possible that the debt collector they work with doesn't use the credit bureaus, it is also possible that the collection will hit your reports in time. I would advise that you do your best to pay the debt off if you believe it may be reported to the credit bureaus. Once collections hit your reports they can be extremely difficult to get removed and collection account can stay on your reports for years even if you pay them.

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