Its been 3 months and i still havent received a second response to my second dispute. Submitted a Sprint collections account dispute that was on my credit report through credit karma about 2 weeks ago!!! Seeing changes on Credit Karma. 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. ruled in my favor but I had no sooner hit the submit button - 6175595 - 4 They gave me the result for the first dispute but they haven't closed the investigation on the second dispute. Positive karma increases the number of points a post has, while negative karma decreases that number. Has anyone had any luck using Credit Karma's tool for filing a dispute with TransUnion about a collection account? The point some are alluding to is that Credit Karma is fluff. Next to every Reddit post or comment are upvote and downvote buttons. Credit Karma isn't the magic bullet. Registered office: c/o Legalinx Limited, Tallis House, 2 Tallis Street, London, EC4Y 0AB. The thing is, Credit Karma shows its still under investigation and that they have 30 days to respond. Pull your report from Annual Credit Report and see what the results are. Seemed a little too easy. These are two separate disputes. By clicking one of these, you are giving either positive or negative karma to the post. Dont get me wrong, I'm glad Credit Karma's Direct Dispute feature (robot?) 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. 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. It is this compensation that enables Credit Karma to provide you with services like free access to your credit score and report. Last month I discovered Credit Karma and the ability to dispute a collection claim. I was obviously thrilled and disputed the debt through CK citing "The balance is incorrect." It almost teeters on the verge of just being complete entertainment. 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. 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. What Is Reddit Karma? Credit Karma UK Limited is registered in England and Wales with company number 7891157. There are well-established dispute procedures and policies. Credit Karma UK Limited is authorised and regulated by the Financial Conduct Authority under registration number 737743. 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