Updating credit file
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Credit report lag is a prevalent cause of confusion for Credit Karma members.
Imagine you have just paid off the entire balance on one of your credit cards and you are excited to see this reflected on your credit report.
However, when you log into your Credit Karma account, you are surprised and disappointed to see that a change has not been made.
Since we don’t receive credit report information from creditors directly, we don’t know when a specific creditor will update your information.
But by checking in regularly, you can keep track of updates – and keep your eye out for errors at the same time.
In the case of hard inquiries, credit bureaus update inquiry information almost instantaneously, so you should be able to view this information as soon as it is dispatched.