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MZA44

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Things on credit karma are not updated why and what will it take to remove the negative impact

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Top Contributor
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Although your question is vague, I'll try to help.
Things don't update instantly for two reasons: One, you have to wait for the creditor to report to the bureaus. If you have a credit card you made a payment on, they don't report the minute you do so; they report monthly. Find out when your closing date is--the balance on that day is what is reported. Two, Credit Karma only updates once a week, so you may potentially have to wait another 6 days after reporting before you see the result.

As for what it will take to remove the negative impact, it depends on what is having the negative impact. If it's a derogatory remark such as a missed payment or a new collection, only time can take care of that--if it really happened you have to wait for it to fall off your report in seven years. If the negative impact is from your utilization being too high, large strategic payments at the correct time (before the closing date) will remove the negative impact within a month.

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