Karma Update

[Chala]

Not that i should even care about this, however its bothering me. Recently got two collections removed and it does not reflect on Credit Karma. Is there a way to contact Credit Karma to update my profile?

[TattnallTrio]

Credit Karma should update every 7 days from Equifax and TransUnion

[Chala]

it's been over a month since my first collection removal, nothing has changed

[NimbusIII]

Credit karma only reports your score to you and has no influence over what is attached to your credit file.  You would need to contact the company's you paid off.  It is up to them to report to the bureau, which credit karma pulls from. Companies are not required to report to the bureau in any specific time frame.

[Brian_Earl_Spilner]

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@Chala wrote:

it's been over a month since my first collection removal, nothing has changed

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It took 6 weeks for PRA to disappear.

[Brian_Earl_Spilner]

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@NimbusIII wrote:

Credit karma only reports your score to you and has no influence over what is attached to your credit file.  You would need to contact the company's you paid off.  It is up to them to report to the bureau, which credit karma pulls from. Companies are not required to report to the bureau in any specific time frame.

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They actually don't have to report at all.

[NimbusIII]

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@Brian_Earl_Spilner wrote:

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@NimbusIII wrote:

Credit karma only reports your score to you and has no influence over what is attached to your credit file.  You would need to contact the company's you paid off.  It is up to them to report to the bureau, which credit karma pulls from. Companies are not required to report to the bureau in any specific time frame.

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They actually don't have to report at all.

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This is true, but given the fact they have, and now the account is is technically reporting an inaccuracy it could be disputed.  Given the fact they have 30 days to respond and would probably just be annoying them at this point I would not suggest taking that course of action.  

[Chala]

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@NimbusIII wrote:

Credit karma only reports your score to you and has no influence over what is attached to your credit file.  You would need to contact the company's you paid off.  It is up to them to report to the bureau, which credit karma pulls from. Companies are not required to report to the bureau in any specific time frame.

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They have been removed from the bureau

[Chala]

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@Brian_Earl_Spilner wrote:

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@Chala wrote:

it's been over a month since my first collection removal, nothing has changed

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It took 6 weeks for PRA to disappear.

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That may explain it thanks

[Brian_Earl_Spilner]

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@NimbusIII wrote:

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@Brian_Earl_Spilner wrote:

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@NimbusIII wrote:

Credit karma only reports your score to you and has no influence over what is attached to your credit file.  You would need to contact the company's you paid off.  It is up to them to report to the bureau, which credit karma pulls from. Companies are not required to report to the bureau in any specific time frame.

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They actually don't have to report at all.

---

This is true, but given the fact they have, and now the account is is technically reporting an inaccuracy it could be disputed.  Given the fact they have 30 days to respond and would probably just be annoying them at this point I would not suggest taking that course of action.  

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I didn't dispute, not because it would be annoying them, but because I don't know how their system works. Knowing my luck, I would dispute and it would come back correct, hitting me for a fresh collection, then a week later disappear. My plan was to have my attorney threaten them for violating the fdcpa and fcra to force them to speed it up, but they got it removed days before I notified him.