May 19th, 2014

Volunteers Needed: Spotlight on Success

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Volunteers Needed: Spotlight on Success

Hey there!

Have you made great strides improving your credit? We want to hear from you! This summer, we’ll feature several Credit Karma community members who have worked hard to improve their credit health.

If you’d like to be featured, send a brief email to introducing yourself. We’ll choose the best stories to be featured in our new blog series: Spotlight on Success.

Thanks in advance!

(Please note that should only be used for blog-related inquiries. If you have any questions or need assistance with your account, please visit our Help Page or email support@creditkarma.comand we’d be happy to help you out. Thanks!)

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Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.


  1. I just applied to refinance my house and according to the bank all three of my scores from Trans Union, Experian and Equifax were over 700. Yet on Credit karma my score is only 655. What’s up with that.

    Maureen Ferguson at 11:34 am on May 22, 2014
  2. Mike

    Hi Maureen – Great question. To learn more, I’d suggest checking out this article on credit score differences:


    Mike at 2:38 pm on May 22, 2014
  3. If it is free, why do I have to sign up for a credit card?

    Alan at 2:46 pm on May 23, 2014
  4. If I just paid off a collections on my credit how long does it take to update on my credit report?

    Tracy at 9:44 am on May 27, 2014
  5. Mike

    Thanks for your question, Alan. You do not need to sign up for any credit cards in order to use Credit Karma. The offers you see on your account are simply recommendations. The service is entirely free. Please let me know if you have any questions about this. Thanks!

    Mike at 2:41 pm on May 27, 2014
  6. Mike

    Hi Tracy – Good question. It generally takes a few weeks for lenders to update your information with the credit bureaus. It’s also worth keeping in mind that just because you pay off your account in collections doesn’t necessarily mean that account will be removed from your report. You can find more information on that here:


    Mike at 2:48 pm on May 27, 2014
  7. The information gathered is not correctly updated often enough.

    Jenny Lynn Van Harlinger at 10:42 am on May 28, 2014
  8. Mike

    Hi Jenny – If you’re having problems updating your account, I’d recommend you contact our support team so we can look into it. You can reach us at Thanks!

    Mike at 2:14 pm on May 28, 2014
  9. I don’t understand how you have an F listed for my loan(s) which the only ones I have are with my bank, Team First, and I have NEVER missed a single payment, not have I been late for a single payment! I am also confused that you have my history for 3 months, the amount of time for the new loan-which I have made every single payment on time. The small loan has never had a late or missed payment. It seems you have things you need to correct and some type of agreement with TransUnion. When you report incorrect information, you should see that it is corrected, and not try to hawk your sponsors’ services to people who have had difficult times and are trying to repair their credit and are forced to play a nasty game…………

    Heather Dombach at 8:03 am on May 31, 2014
  10. Mike

    Hi Heather – Thanks for your comment, we appreciate it. We’d be happy to take a look at your account to research these specific errors in more detail. Please feel free to email us at so we can do so. Thanks!

    Mike at 12:14 pm on June 2, 2014
  11. I have 3 A’s and 2b’s on my credit report card and a rating of a C. I averaged the high, medium, and low impact and it still does not seem right.

    Stephen Scholes at 5:02 am on June 4, 2014
  12. Mike

    Hi Stephen – Thanks for your comment. Please keep in mind that your overall grade is not an average of your other grades. Instead, it’s a reflection of where your score stands in comparison to the rest of Credit Karma’s user base. Please let me know if you have any questions about this. Thanks!

    Mike at 3:38 pm on June 4, 2014
  13. Hi,
    I’ve been paying off all balances on the credit cards, (3) before the due date. My total debt is 49,600, which has dropped from 54,000.00. I’ve been paying $2500.00 monthly for the past 3 months now to pay off my car. I do have bankruptcy on my history. But will all of this effort, my credit score is still stuck at 675, what can I do to improve my overall score?

    Peach at 6:36 am on June 5, 2014
  14. Mike

    Hi Peach – I’m sorry to hear that you haven’t had any score change. Our articles section offers a lot of great posts on this topic. I’d suggest starting here:


    Mike at 2:17 pm on June 5, 2014
  15. I paid off each and every debt I had over the last two months. None the less, YOU show several thousand dollars still unpaid. What use is your service if it is inaccurate?

    Steve at 3:53 pm on June 9, 2014
  16. Mike

    Hi Steve- Thanks for your comment. All of the information on Credit Karma comes directly from TransUnion, one of the three major credit bureaus. If you’re seeing incorrect information here, I’d suggest consulting this article for next steps:


    Mike at 4:24 pm on June 10, 2014
  17. How can I dispute items that are inaccurate on my credit and can I get hard copies of my reports from the 3 cu’s through credit Karma

    Harold at 3:06 pm on June 11, 2014
  18. Mike

    Hi Harold – Thanks for your questions. At this time, Credit Karma doesn’t offer full credit reports. You can find that information at Regarding any inaccuracies on your Credit Karma account, I’d recommend checking out the following article:


    Mike at 1:01 pm on June 12, 2014
  19. I have been paying off my bad credit ever since I got rid of my exhusband. Finally have almost all paid but I cannot understand why the $820.00 that was the remanding balance on the kirby vacuum I paid off was takin off the other 2 agents and not UNIT CON FIN. PLUS I just bought a house will be closing soon..

    Rose K Harris at 3:40 pm on June 15, 2014
  20. Mike

    Hi Rose – Thanks for the comment. If you’re seeing any incorrect information on your Credit Karma account, I’d recommend checking out this link:


    Mike at 2:18 pm on June 16, 2014

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