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Credit Karma says.....(about collections) is it true!?

Established Contributor

Credit Karma says.....(about collections) is it true!?

I sent a GW to a local CA that is holding 3 paid accounts. 

 

I have not heard anything from them.

 

I have not gotten any score updates from SW indicating a jump (which I would expect if they deleted).   I have quarterly monitoring from here on TU so I don't know if they updated there or not technically.

 

I just signed up for Credit Karma and their report does not show any of these 3 collections!!!

 

Could it be true, they deleted?  I hope so.

 

I have read reports though online where CK isn't always accurate with their data.....   would love to hear from those on here currently using it what your experience is.    

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 1 of 6
5 REPLIES
Moderator Emeritus

Re: Credit Karma says.....(about collections) is it true!?

CK doesn't do a breakdown or listing of accounts, so yes, they could still be there.  Sorry.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 6
Established Contributor

Re: Credit Karma says.....(about collections) is it true!?

I don't think I understand. 

 

On CK it tells me a list of CAs supposedly on my report.  

 

So is this list not accurate?

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 3 of 6
Moderator Emeritus

Re: Credit Karma says.....(about collections) is it true!?

I've never seen CK list paid accounts before.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 6
Established Contributor

Re: Credit Karma says.....(about collections) is it true!?

I would not trust any information you get from CK, they are the bottom of the barrel. You would have better luck writting 3 scores on a bone, burying them in the back yard and having your dog dig up the right score.

 

In all seriousness though, I have never seen any collection accounts listed on CK, so I wouldn't put much weight in what they say.

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Message 5 of 6
Established Contributor

Re: Credit Karma says.....(about collections) is it true!?


Shogun wrote:

I've never seen CK list paid accounts before.


Ahhhh okay that's why.  I "assumed" (yeah I know) that it would show all accounts that were on a CR, not just ones with a balance.  

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 6 of 6