Got the message - 4366191 - 2 What Is Reddit Karma? Credit Karma UK Limited is authorised and regulated by the Financial Conduct Authority under registration number 737743. Next to every Reddit post or comment are upvote and downvote buttons. Credit Karma strives to provide a wide array of offers for our members, but our offers do not represent all financial services companies or products. Last month I discovered Credit Karma and the ability to dispute a collection claim. Registered office: c/o Legalinx Limited, Tallis House, 2 Tallis Street, London, EC4Y 0AB. But before you file a dispute, you should understand this: Only information that’s considered inaccurate can be taken off your credit report. The point some are alluding to is that Credit Karma is fluff. In most provinces, the credit reporting agencies – Transunion and Equifax in Canada – are required by law to verify the accuracy of any information you’re disputing. Submitted a Sprint collections account dispute that was on my credit report through credit karma about 2 weeks ago!!! Positive karma increases the number of points a post has, while negative karma decreases that number. Credit Karma isn't the magic bullet. The thing is, Credit Karma shows its still under investigation and that they have 30 days to respond. Its been 3 months and i still havent received a second response to my second dispute. Seemed a little too easy. Has anyone had any luck using Credit Karma's tool for filing a dispute with TransUnion about a collection account? Home I want to dispute activity on my Credit Karma Savings account*. Dont get me wrong, I'm glad Credit Karma's Direct Dispute feature (robot?) There are well-established dispute procedures and policies. By clicking one of these, you are giving either positive or negative karma to the post. I was obviously thrilled and disputed the debt through CK citing "The balance is incorrect." I waited a month and was unfortunately met with a "this account is correct" message or something to that effect when TransUnion completed their investigation. They gave me the result for the first dispute but they haven't closed the investigation on the second dispute. Whether you file a dispute through Direct Dispute™ through Credit Karma or a dispute through TransUnion, if TransUnion makes a change to your report as a result of your dispute, you’ll see it on Credit Karma after we get the updated information from TransUnion. Seeing changes on Credit Karma. It almost teeters on the verge of just being complete entertainment. I was notified this morning that a collection appeared on my credit report from an agency with an account related to AT&T but my account with AT&T is current. The dispute tool only required a couple of clicks. 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