Credit Karma offers a free credit and financial management platform to its users. Having an updated credit score is very important to request credit loans in the future. It also has a great impact on a person’s overall finances. Credit Karma makes it easier to access your credit report while also providing some other facilities as well. It tells the user about their chances of approval for a credit request even before applying for it. It also shares useful and curated tips which can help you increase your credit score. Overall, the service they provide is decent and used by many people to track their records.
Recently, the number of users that are facing problems when using Credit Karma has increased. The problems are very spread out indicating a server bottleneck. On paying close attention, you can find two prominent issues – credit score failing to update and not being able to log in to your account. Your problem doesn’t necessarily have to be the same. If you are being bothered by any problem with Credit Karma, try the troubleshooting methods given below. But first, let’s take a look at the reasons for a delay in the update of your credit score on the website.
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Why hasn’t Credit Karma updated your report?
Credit Karma provides a credit score after analyzing the reports from TransUnion and Equifax. Apparently, TransUnion reports are monitored daily while reports from Equifax may take up to 7 days. Also, it is possible that your credit lenders have not reported the changes. Lenders can take up to 30-45 days to submit a report to the bureaus.
Such events may delay the credit score updation on Credit Karma. You can’t really expect a regular update with so many factors controlling the situation. Wait for some time before acting upon the matter. Meanwhile, check the most recent update that was provided by the bureaus. On the website, go to Accounts and click on the bureau you want to review. Click on the account and the most recent update will be mentioned with a date.
How to fix it:
1) Turn off VPN:
If you are using the website with your VPN turned on, turn it off. Don’t worry as this is just a temporary measure. Turn off your VPN and check if Credit Karma works properly!
2) Unrecognized device:
Credit Karma may not work properly or throw unknown errors if you are trying to access your account from a new device. Complete the verification procedure for that device using your registered phone number. Once the device is authorized, try to access your account. You won’t face any problems anymore.
3) Unsafe internet connection:
Like the device, if you are using public internet service or an internet connection that you haven’t used before, you could face an issue on Credit Karma. If possible, connect a familiar network and try using Credit Karma again. This should solve any problem that you are facing on the platform!
