How Do I Report a Mistake with My Credit Report to Credit Karma?

Mistakes do happen occasionally and you can find a mistake with the information on your credit report. A quarter of Americans claim errors on their credit reports do affect their credit scores.these helpful tips will assist you in reporting a mistake on your credit report.

Jeff Whelpley is the editor / author responsible for this content.
Nov 4, 2019

Credit Karma is an American personal finance firm that helps people access their credit scores and gets reports and insights into their financial status. The site uses data from the three major credit reference bureaus in the country (Equifax, TransUnion and Experian) to generate conclusive credit reports for its customers.

Credit Karma generates revenueby charging customers for the credit reports which have many applications including getting personal loans and financing for businesses. A credit report could also be used to great effect for personal finance matters.

Mistakes do happen occasionally and you can find a mistake with the information on your credit report. A quarter of Americans claim errors on their credit reports do affect their credit scores.

Mistakes in credit reports usually involve errors in personal and account information. However, you can find derogatory elements in your credit report such as tax liens, civil judgments and suspicious loan payments.

In such a case you are required and compelled by Federal law to file a dispute about the inaccurate information on your credit report.

Viewing and disputing your Credit Karma credit report is easiest done online through Credit Karma's Direct Dispute tool. The Direct Dispute tool enables you to dispute a credit report from any of the three major credit bureaus directly from Credit Karma's website.

You can correct a flaw in your Credit Karma credit report using the following process:

  1. Initiate a new dispute from the dispute center. The dispute center has information and tools to help you understand the dispute process. All you have to do is click the 'Start a new dispute' tab to review your credit report and pick the item you want to dispute.
  2. Scrutinize your report. Your report is categorized into four sections namely:Personal Information, Accounts, Inquiries and Public Records. Each section contains descriptive details and you can click the dispute button for a specific section if the details are wrong.
  3. Select a reason for your dispute. There is a drop down list with reasons for disputing the credit report and details about the reason. You can explain the reason in the comments you find none in the list.
  4. Review the items you have included in your dispute request and either add or omit details. You can also provide documentationto strengthen your dispute. Once you are done click 'Submit' and await an answer from Credit Karma.

If the above process yields no results, you should contact Credit Karma's customer service through the following avenues:


Sending an email to customer service is another great option for disputing a credit report from Credit Karma. Their email support address is always active therefore, you can send them a message at any time of day or night.

An email does afford you a lot of space to address the incorrect information on your credit report. Include as much information about the charge as possible in the email.

You can retrieve the Credit Karma customer service email address from GetHuman.

Help Desk

The Credit Karma online help desk is a surprisingly quick way to dispute information on a credit report from the website. However, you should use the help desk after trying other methods.

You can find the help desk's address on GetHuman.


You can send Credit Karma a letter to their corporate headquarters in San Francisco and dispute information on your Credit Karma credit report. Sending a letter to Credit Karma's corporate headquarters is slow but sure.

Do not send mail unless all the other options have been exhausted or the correction is not urgent. You can find the address to their corporate offices on their website.

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Jeff truly believes that all customers deserve good service. He’s been building tools, inventing phone tree hacks and helping customers since before his days at GetHuman. He's also a Google GDE and involved in the Angular community.

Why does GetHuman Write How-to Guides for Credit Karma Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Credit Karma in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Report a Mistake with My Credit Report to Credit Karma? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

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