Initial Business Response / [redacted] (1000, 5, 2015/04/21) */ ***, Based on the information you have provided here (name and zip code), I am unable to find an account matching your personal information It's possible that someone may have accidentally used your email address to register for Credit KarmaI can remove your email address from our database if that is the case, but in order to do so, I will need you to email us at [redacted] @creditkarma.com and provide your name, date of birth, and reference Revdex.com #XXXXXXXX I apologize for any confusion and thank you for your patience Regards, [redacted] P Member Support Manager Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/04/22) */ (The consumer indicated he/she ACCEPTED the response from the business.) I have already requested that my address be removed and was told that was completed via Member Support Response XXXXXXX On a side note, under no circumstances will I provide my date of birth when a simple unsubscribe/list removal of an email address is the issue at handIn my previous interactions with your support team they did not ask for my DoB when handling my request
Initial Business Response / [redacted] (1000, 5, 2015/11/02) */ [redacted] - It looks like our support team has already responded to your request and given you further instructions as to how to deal with this informationThe account has been deactivated and we require documentation to attach the account to your email addressYou may also want to consider filing a police report and having the investigating officer reach out to us at ***@creditkarma.com Thanks for your patience, [redacted] P Member Support Manager
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meSincerely, [redacted] ***
Initial Business Response / [redacted] (1000, 5, 2015/10/16) */ [redacted] - Credit bureaus use many different scoring models, even within the same credit bureauEach bureau can use dozens of different credit score models based on the requirements of different lenders Each credit score model has a slightly different formula that takes into account over different factors of your credit report; like a thumbprint, no credit score model is exactly the sameIn addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day Hope this helps! If you have more questions, please feel free to let me know Regards, [redacted] P Member Support Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) I reported that I had checked my credit scores on Credit Karman and relayed this information to my Mortgage Broker, who stated let's verify with him running my credit through the system he uses for merged credit scoresThis was done within several minutes of each other, so stating that I should be sure that I am "comparing credit scores from the same day" is irrelevantThey did not read my initial complaint Final Business Response / [redacted] (4000, 9, 2015/10/26) */ [redacted] - My response also included the information that there are many different scoring models, even within the same credit bureauEach bureau can use many different scoring models based on the requirements of the lenderA mortgage lender, for example, may put a heavier weight on specific items in your report than a lender that is offering you a credit card or auto loan No credit score model is exactly the sameThe purpose of tracking your score on Credit Karma is to know and understand the factors that impact your score over timeIf you intend to apply for credit, it is always important to ensure that the data on your report is up-to-date and accurate so the score that is pulled when you formally apply is based on the most accurate information possible Thanks for your patience, [redacted] P
It appears you have contacted our support team twiceThe last update we provided to you is that both your federal and state taxes have been marked as accepted Let me know if you have other questions
There may be a misunderstanding hereWhen there is a possible fraud situation, an agent will immediately deactivate the accountIf a member chooses to have that account tied to their personal email, we will ask for verification documents so we can update the account and change the email address If you would like a followup, I would be happy to personally look into this for youPlease email us again here: [redacted] and include "Revdex.com Complaint" in the subject line so I can locate your emailThanks,***- Member Support
[redacted] - Unfortunately, we can't know for sure if lenders will approve or decline applications, as it's totally up to the lenderHowever, we do the best we can by basing our approval odds on historical data.Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this productThough Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.We'll be the first to admit that we don't always get it right, but please know that we're always working to build better models and give people the best information that we canOur goal is to always do what's best for our members.Regards, [redacted] **Member Support Manager
Complaint: [redacted] I am rejecting this response because: The business wishes me to provide personal information in order to cancel an account I never signed up forIt is precisely because I do not wish to share personal information with this business that I want the account cancelledIn light of the Equfax breach and many like it it is absurd to think my information would be safe and/or not monetised by this companyQuite simply: They know who I am, they know the account in question, and they know I want it cancelledTo require more personal information from me to do this is unethical at best, and possibly illegal Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/10/16) */ [redacted] - It looks like you have an active accountYou may feel free to email us at [redacted] @creditkarma.com and provide your full name and date of birth, and we can tell you which email address is listed on your active account Thanks for your patience Regards, [redacted] P Member Support Manager
Initial Business Response / [redacted] (1000, 5, 2016/01/11) */ [redacted] - It appears that we have removed your email address from our database as of Please let me know if you have other questions Regards, [redacted] P Member Support Manager
Initial Business Response / [redacted] (1000, 5, 2015/11/10) */ [redacted] - Credit bureaus use many different scoring models, even within the same credit bureauEach bureau can use dozens of different credit score models based on the requirements of different lenders Each credit score model has a slightly different formula that takes into account over different factors of your credit report; like a thumbprint, no credit score model is exactly the sameIn addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day On your Credit Karma account, you will see the VantageScore scoring model, provided individually by TransUnion and Equifax VantageScore incorporates a broader set of credit-related data and can score up to million more people than other modelsWith so many different scoring models out there, you never know which score a bank will use, but VantageScore is a strong predictor for what the banks may see Please let me know if you have any further questions Regards, [redacted] P Member Support Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) Unfortunately (or fortunately) mortgage /loan lenders only use Three Leading Credit Score Bureaus: Transunion, Equifax and ExperianWhat credit-score MODEL those Bureaus adhere to I don't careAll I want to know is my creditability (unless, my credit is in red zone, then I will be looking deeper)After all, it doesn't matter to me what model is used, - I have no influence to the outcome of used models, only to my own doing: paying in time, having long credit history, having some existing credit, etcYour site provided me with Transunion score which was tremendously low comparing with your information given to me three weeks priorThe latest score from you wasn't even close to REAL Transunion credit scoreNothing on your web site explained WHY my score dropped that lowYou only gave me some vague description about using different modelsand not a word about what affected MY Credit ScoreAs a result, I assumed identity theft and didn't have a choice but to get my TRUE scores from FreeCreditReport.com and paid them $which showed me I was in a good shape after all (I used three bureaus report to be 100% sure; the reason I ended up paying $$)I am insisting you inform your potential users in a future, that information you provide (second time) is NOT the REAL Transunion score, but something similar to Transunion MODEL Final Business Response / [redacted] (4000, 9, 2015/11/23) */ [redacted] - I'm sorry for the confusionThere is no "one true credit score"This is why I provided you with the previous response On our site, you will see your VantageScore score provided by TransUnion and Equifax When you go and apply for a loan or a credit card or any kind of credit through a lender, you will likely not know what scoring model they are usingEven if you do know that they use VantageScore or FICO, there are many different modelsOne could be an auto-loan model, one for a mortgage, etcThese models can take into account many other factors Separately, the score is not the only factor taken into account when you apply for creditThere are many other factors, such as your income, your income:debt ratio, your length of employment and many other factors could all contribute to a lending decision The information shown in the Credit Factors (https://www.creditkarma.com/myfinances/scores/) were developed by Credit Karma as a way to present the key components impacting your credit score in an easily understood format Please keep in mind that the factors as they are presented here ("Excellent" to " Very Poor") do not directly affect the credit score calculation you see on this https://www.creditkarma.com/myfinances/scores/ , as those scores are created using the VantageScore model, and are provided by TransUnion and by Equifax The Credit Factors are only meant to help members see how they compare on averageThe "Excellent" to "Very Poor" are determined by averaging the scores of Credit Karma members within each rangeThis doesn't mean that all members with a "Poor" or "Very Poor" in one particular category will have a low credit score, but that *on average [redacted] members within that range have a lower credit score Credit scores are based on many different factors and can change for unanticipated reasons We don't have specific insight into why your score dropped, so the best thing to do is to monitor your score and continue to make good financial moves to improve your score I'm sorry that your experience was not what you expected - please feel free to let me know if you have other questions Regards, [redacted] P
Revdex.com:I have reviewed the response made by the business in reference to complaint ID 11996431, and find that this resolution is satisfactory to meSincerely, [redacted] ***
Initial Business Response / [redacted] (1000, 5, 2015/05/15) */ [redacted] , We do not currently offer telephone supportEmail is the best way for us to make sure every question is answered efficiently and in the order it's received I'm sorry you want to cancel your membershipKeep in mind that Credit Karma is a completely free serviceWe will never charge you, nor will we or our partners ever send you spam Please note that, for security reasons, once you've canceled your membership, you will not be able to establish a new membership for six months If you still wish to cancel, please log into your account and find the account cancellation page at the bottom of your security settings(https://creditkarma.com/myprofile/security) If you'd rather cancel your membership via mail, please send a letter with your name, date of birth, and the email address you used to register for your Credit Karma account to the following address: Credit Karma, Inc P.OBox San Francisco, CA XXXXX-XXXX OR Send this information to our secure fax line: XXX-XXX-XXXX We're sad to see you go, and hope you enjoyed the service Regards, [redacted] P Member Support Manager
Initial Business Response / [redacted] (1000, 5, 2015/08/21) */ Hi [redacted] - I would be happy to answer any questions you have about Credit Karma and our processesCredit Karma is a completely free service that allows our members access to their TransUnion and Equifax credit reports and scoresWe will never ask for your credit card information on our site because we simply don't need itOur site is made free by partnering with other lenders that share the same beliefs - you will see recommendations for loans and credit cards on our site, but are in no way required to apply for any additional credit I'm happy to answer other questions you have to alleviate your concernsThanks for your patience [redacted] P Member Support Manager
Initial Business Response / [redacted] (1000, 5, 2016/01/15) */ [redacted] - Credit Karma is a free service meant to show you how different actions might impact your credit scoreThe scores and credit reports you see on our site come directly from the bureaus TransUnion and Equifax Your scores can change for many different reasons, and can change at any timeIf you did not authorize the hard inquiry, it can be removed If you have a hard inquiry that you did not authorize, you may need to file a dispute with the credit bureaus to have it removed To file a dispute with TransUnion, please head over to the TransUnion site here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page To file a dispute with Equifax, please head over to the Equifax site here: https://www.ai.equifax.com/CreditInvestigation/home.action The 10-digit confirmation number is *not required [redacted] to fill out this form Let me know if you have any more questions Regards, [redacted] P Member Support Manager
Initial Business Response / [redacted] (1000, 8, 2015/05/27) */ ***, I'm sorry for the frustrationI can see that you're having trouble with your Credit Karma registrationIt looks like the information you're using to register doesn't match the information Equifax has on filePlease try past names or nicknames you have used (e.ga maiden name or [redacted] for " [redacted] "), if applicable, and your former address, if you've moved recently You can modify your personal information here: https://www.creditkarma.com/myprofile/personal If this doesn't solve the problem, I would also recommend checking your full credit report at www.annualcreditreport.com(https://www.annualcreditreport.com) to see what information Equifax has on record for you, then updating your information and trying to complete registration again Please let me know if you have any other questions [redacted] P Initial Consumer Rebuttal / [redacted] (3000, 10, 2015/06/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) I dont accept the response Using same registration info as required by credit karma including but not limited to ssn I was able to obtain my credit report w o issues thru experian credit karma still has my personal information How can I be assured suc information is not stored and or used otherwise by credit karma? Final Business Response / [redacted] (4000, 12, 2015/06/15) */ ***, We will use your SSN to validate your identity with the TransUnion and Equifax credit bureaus and retrieve your credit scores During registration, we will ask for the last four digits of your SSNHowever, if we require additional validation, the system will automatically ask for your full nine digits Credit Karma is subject to certain record keeping and information retention requirementsTherefore, if you were to deactivate your Credit Karma account, we cannot delete your information outrightHowever, your information is stored on secure servers and your account will be inactive and inaccessible to anyone other than Credit Karma authorized personnel You can read more in the "Terminating Your Account" section of our verified TRUSTe privacy policy here(http://www.creditkarma.com/about/privacy) If you have further concerns, please feel free to let me knowI'd be happy to answer them [redacted] P
Complaint: [redacted] I am rejecting this response because: On everyones credit score page on Credit Karma it clearly shows your regular Transunion and Equifax scores with the original Transunion and Equifax logos and Credit Karma states right there that the scores are provided by Transunion and Equifax and it does NOT say anything at all about VANTAGE SCORE on that page, yet the original Transunion and Equifax scores that Credit Karma is claiming to show you are an outrageous to points higher than your real Transunion and Equifax scores They are deceiving you by showing you these much higher Transunion and Equifax scores and they know itI'm sure it draws more people to Credit Karmas site where they do plenty of advertising for creditors etc Sincerely, [redacted] ***
Initial Business Response / [redacted] (1000, 5, 2015/05/22) */ ***, In our communications, you indicated that the email address you want active on your account is [redacted] @gmail.comThat is the email address listed on the active accountIt looks like you have been able to access your account recentlyIf you are still unable to access your account, you may respond to your previous support requests (listing the same issue) and we can assist you with resetting your password Regards, [redacted] P
Initial Business Response / [redacted] (1000, 7, 2015/07/30) */ Hi [redacted] This may just be a technical issueIf possible, please try the same action with a different browser, such as Google Chrome, Firefox, or Safari For security reasons, Credit Karma is only compatible with the three most recent versions of each browserIf you are not using one of the three most recent versions of your browser, please update your browser and try completing this action again If you continue experiencing issues please reply and let me know what browser and browser version you are usingYou can find this information by visiting whatbrowser.org here(http://whatbrowser.org/) Regards, [redacted] P Member Support Manager
Initial Business Response / [redacted] (1000, 5, 2015/08/21) */ Hi [redacted] - It looks like we sent you an update to notify you about new inquiries on your accountWe don't generate those inquiries, rather simply notify you that one of the bureaus is reporting new informationIn this case, it looks like your Equifax credit report may be the one you are indicating in your message to us If you'd like to review the companies that have reported the inquiries, you can review your full credit report on Credit Karma (https://www.creditkarma.com/myfinances/creditreport/equifax?reportId=XXXXXXXXX#...⇄ let me know if you have any additional questions [redacted] P Member Support Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Delete ALL information you folks and affiliates have acquiredI'm not interested in this method of checking my scoreOnly a complete elimination of information will be acceptableThanks Final Business Response / [redacted] (4000, 9, 2015/08/31) */ [redacted] - Credit Karma is subject to certain record keeping and information retention requirementsTherefore, when you deactivate your Credit Karma account, we cannot delete your information outrightHowever, your information is stored on secure servers and your account will be inactive and inaccessible to anyone other than Credit Karma authorized personnel You can read more in the "Terminating Your Account" section of our verified TRUSTe privacy policy here: http://www.creditkarma.com/about/privacy All of the credit report information on Credit Karma comes straight from TransUnion and Equifax, two of the three major credit bureausWe're not a credit bureau, so we don't have the ability to make changes to your credit report To correct errors you see on Credit Karma, you must file a dispute directly with the credit bureau that shows the error To file a dispute with TransUnion, please head over to the TransUnion site here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page To file a dispute with Equifax, please head over to the Equifax site here: https://www.ai.equifax.com/CreditInvestigation/home.action The 10-digit confirmation number is *not required [redacted] to fill out this form Let me know if you have any more questions Regards, [redacted] P Member Support Manager Final Consumer Response / [redacted] (4200, 11, 2015/09/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) Not Convinced although I did receive a response from someone indication the information will be deleted I don't like the idea that STAFFERS are allowed to have access Eliminate All information as you know you have someone out there in land that has presented themselves as you folksHow do I know you are legitimate?
Initial Business Response / [redacted] (1000, 5, 2015/04/21) */ ***, Based on the information you have provided here (name and zip code), I am unable to find an account matching your personal information It's possible that someone may have accidentally used your email address to register for Credit KarmaI can remove your email address from our database if that is the case, but in order to do so, I will need you to email us at [redacted] @creditkarma.com and provide your name, date of birth, and reference Revdex.com #XXXXXXXX I apologize for any confusion and thank you for your patience Regards, [redacted] P Member Support Manager Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/04/22) */ (The consumer indicated he/she ACCEPTED the response from the business.) I have already requested that my address be removed and was told that was completed via Member Support Response XXXXXXX On a side note, under no circumstances will I provide my date of birth when a simple unsubscribe/list removal of an email address is the issue at handIn my previous interactions with your support team they did not ask for my DoB when handling my request
Initial Business Response / [redacted] (1000, 5, 2015/11/02) */ [redacted] - It looks like our support team has already responded to your request and given you further instructions as to how to deal with this informationThe account has been deactivated and we require documentation to attach the account to your email addressYou may also want to consider filing a police report and having the investigating officer reach out to us at ***@creditkarma.com Thanks for your patience, [redacted] P Member Support Manager
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meSincerely, [redacted] ***
Initial Business Response / [redacted] (1000, 5, 2015/10/16) */ [redacted] - Credit bureaus use many different scoring models, even within the same credit bureauEach bureau can use dozens of different credit score models based on the requirements of different lenders Each credit score model has a slightly different formula that takes into account over different factors of your credit report; like a thumbprint, no credit score model is exactly the sameIn addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day Hope this helps! If you have more questions, please feel free to let me know Regards, [redacted] P Member Support Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) I reported that I had checked my credit scores on Credit Karman and relayed this information to my Mortgage Broker, who stated let's verify with him running my credit through the system he uses for merged credit scoresThis was done within several minutes of each other, so stating that I should be sure that I am "comparing credit scores from the same day" is irrelevantThey did not read my initial complaint Final Business Response / [redacted] (4000, 9, 2015/10/26) */ [redacted] - My response also included the information that there are many different scoring models, even within the same credit bureauEach bureau can use many different scoring models based on the requirements of the lenderA mortgage lender, for example, may put a heavier weight on specific items in your report than a lender that is offering you a credit card or auto loan No credit score model is exactly the sameThe purpose of tracking your score on Credit Karma is to know and understand the factors that impact your score over timeIf you intend to apply for credit, it is always important to ensure that the data on your report is up-to-date and accurate so the score that is pulled when you formally apply is based on the most accurate information possible Thanks for your patience, [redacted] P
It appears you have contacted our support team twiceThe last update we provided to you is that both your federal and state taxes have been marked as accepted Let me know if you have other questions
There may be a misunderstanding hereWhen there is a possible fraud situation, an agent will immediately deactivate the accountIf a member chooses to have that account tied to their personal email, we will ask for verification documents so we can update the account and change the email address If you would like a followup, I would be happy to personally look into this for youPlease email us again here: [redacted] and include "Revdex.com Complaint" in the subject line so I can locate your emailThanks,***- Member Support
[redacted] - Unfortunately, we can't know for sure if lenders will approve or decline applications, as it's totally up to the lenderHowever, we do the best we can by basing our approval odds on historical data.Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this productThough Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.We'll be the first to admit that we don't always get it right, but please know that we're always working to build better models and give people the best information that we canOur goal is to always do what's best for our members.Regards, [redacted] **Member Support Manager
Complaint: [redacted] I am rejecting this response because: The business wishes me to provide personal information in order to cancel an account I never signed up forIt is precisely because I do not wish to share personal information with this business that I want the account cancelledIn light of the Equfax breach and many like it it is absurd to think my information would be safe and/or not monetised by this companyQuite simply: They know who I am, they know the account in question, and they know I want it cancelledTo require more personal information from me to do this is unethical at best, and possibly illegal Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/10/16) */ [redacted] - It looks like you have an active accountYou may feel free to email us at [redacted] @creditkarma.com and provide your full name and date of birth, and we can tell you which email address is listed on your active account Thanks for your patience Regards, [redacted] P Member Support Manager
Initial Business Response / [redacted] (1000, 5, 2016/01/11) */ [redacted] - It appears that we have removed your email address from our database as of Please let me know if you have other questions Regards, [redacted] P Member Support Manager
Initial Business Response / [redacted] (1000, 5, 2015/11/10) */ [redacted] - Credit bureaus use many different scoring models, even within the same credit bureauEach bureau can use dozens of different credit score models based on the requirements of different lenders Each credit score model has a slightly different formula that takes into account over different factors of your credit report; like a thumbprint, no credit score model is exactly the sameIn addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day On your Credit Karma account, you will see the VantageScore scoring model, provided individually by TransUnion and Equifax VantageScore incorporates a broader set of credit-related data and can score up to million more people than other modelsWith so many different scoring models out there, you never know which score a bank will use, but VantageScore is a strong predictor for what the banks may see Please let me know if you have any further questions Regards, [redacted] P Member Support Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) Unfortunately (or fortunately) mortgage /loan lenders only use Three Leading Credit Score Bureaus: Transunion, Equifax and ExperianWhat credit-score MODEL those Bureaus adhere to I don't careAll I want to know is my creditability (unless, my credit is in red zone, then I will be looking deeper)After all, it doesn't matter to me what model is used, - I have no influence to the outcome of used models, only to my own doing: paying in time, having long credit history, having some existing credit, etcYour site provided me with Transunion score which was tremendously low comparing with your information given to me three weeks priorThe latest score from you wasn't even close to REAL Transunion credit scoreNothing on your web site explained WHY my score dropped that lowYou only gave me some vague description about using different modelsand not a word about what affected MY Credit ScoreAs a result, I assumed identity theft and didn't have a choice but to get my TRUE scores from FreeCreditReport.com and paid them $which showed me I was in a good shape after all (I used three bureaus report to be 100% sure; the reason I ended up paying $$)I am insisting you inform your potential users in a future, that information you provide (second time) is NOT the REAL Transunion score, but something similar to Transunion MODEL Final Business Response / [redacted] (4000, 9, 2015/11/23) */ [redacted] - I'm sorry for the confusionThere is no "one true credit score"This is why I provided you with the previous response On our site, you will see your VantageScore score provided by TransUnion and Equifax When you go and apply for a loan or a credit card or any kind of credit through a lender, you will likely not know what scoring model they are usingEven if you do know that they use VantageScore or FICO, there are many different modelsOne could be an auto-loan model, one for a mortgage, etcThese models can take into account many other factors Separately, the score is not the only factor taken into account when you apply for creditThere are many other factors, such as your income, your income:debt ratio, your length of employment and many other factors could all contribute to a lending decision The information shown in the Credit Factors (https://www.creditkarma.com/myfinances/scores/) were developed by Credit Karma as a way to present the key components impacting your credit score in an easily understood format Please keep in mind that the factors as they are presented here ("Excellent" to " Very Poor") do not directly affect the credit score calculation you see on this https://www.creditkarma.com/myfinances/scores/ , as those scores are created using the VantageScore model, and are provided by TransUnion and by Equifax The Credit Factors are only meant to help members see how they compare on averageThe "Excellent" to "Very Poor" are determined by averaging the scores of Credit Karma members within each rangeThis doesn't mean that all members with a "Poor" or "Very Poor" in one particular category will have a low credit score, but that *on average [redacted] members within that range have a lower credit score Credit scores are based on many different factors and can change for unanticipated reasons We don't have specific insight into why your score dropped, so the best thing to do is to monitor your score and continue to make good financial moves to improve your score I'm sorry that your experience was not what you expected - please feel free to let me know if you have other questions Regards, [redacted] P
Revdex.com:I have reviewed the response made by the business in reference to complaint ID 11996431, and find that this resolution is satisfactory to meSincerely, [redacted] ***
Initial Business Response / [redacted] (1000, 5, 2015/05/15) */ [redacted] , We do not currently offer telephone supportEmail is the best way for us to make sure every question is answered efficiently and in the order it's received I'm sorry you want to cancel your membershipKeep in mind that Credit Karma is a completely free serviceWe will never charge you, nor will we or our partners ever send you spam Please note that, for security reasons, once you've canceled your membership, you will not be able to establish a new membership for six months If you still wish to cancel, please log into your account and find the account cancellation page at the bottom of your security settings(https://creditkarma.com/myprofile/security) If you'd rather cancel your membership via mail, please send a letter with your name, date of birth, and the email address you used to register for your Credit Karma account to the following address: Credit Karma, Inc P.OBox San Francisco, CA XXXXX-XXXX OR Send this information to our secure fax line: XXX-XXX-XXXX We're sad to see you go, and hope you enjoyed the service Regards, [redacted] P Member Support Manager
Initial Business Response / [redacted] (1000, 5, 2015/08/21) */ Hi [redacted] - I would be happy to answer any questions you have about Credit Karma and our processesCredit Karma is a completely free service that allows our members access to their TransUnion and Equifax credit reports and scoresWe will never ask for your credit card information on our site because we simply don't need itOur site is made free by partnering with other lenders that share the same beliefs - you will see recommendations for loans and credit cards on our site, but are in no way required to apply for any additional credit I'm happy to answer other questions you have to alleviate your concernsThanks for your patience [redacted] P Member Support Manager
Initial Business Response / [redacted] (1000, 5, 2016/01/15) */ [redacted] - Credit Karma is a free service meant to show you how different actions might impact your credit scoreThe scores and credit reports you see on our site come directly from the bureaus TransUnion and Equifax Your scores can change for many different reasons, and can change at any timeIf you did not authorize the hard inquiry, it can be removed If you have a hard inquiry that you did not authorize, you may need to file a dispute with the credit bureaus to have it removed To file a dispute with TransUnion, please head over to the TransUnion site here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page To file a dispute with Equifax, please head over to the Equifax site here: https://www.ai.equifax.com/CreditInvestigation/home.action The 10-digit confirmation number is *not required [redacted] to fill out this form Let me know if you have any more questions Regards, [redacted] P Member Support Manager
Initial Business Response / [redacted] (1000, 8, 2015/05/27) */ ***, I'm sorry for the frustrationI can see that you're having trouble with your Credit Karma registrationIt looks like the information you're using to register doesn't match the information Equifax has on filePlease try past names or nicknames you have used (e.ga maiden name or [redacted] for " [redacted] "), if applicable, and your former address, if you've moved recently You can modify your personal information here: https://www.creditkarma.com/myprofile/personal If this doesn't solve the problem, I would also recommend checking your full credit report at www.annualcreditreport.com(https://www.annualcreditreport.com) to see what information Equifax has on record for you, then updating your information and trying to complete registration again Please let me know if you have any other questions [redacted] P Initial Consumer Rebuttal / [redacted] (3000, 10, 2015/06/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) I dont accept the response Using same registration info as required by credit karma including but not limited to ssn I was able to obtain my credit report w o issues thru experian credit karma still has my personal information How can I be assured suc information is not stored and or used otherwise by credit karma? Final Business Response / [redacted] (4000, 12, 2015/06/15) */ ***, We will use your SSN to validate your identity with the TransUnion and Equifax credit bureaus and retrieve your credit scores During registration, we will ask for the last four digits of your SSNHowever, if we require additional validation, the system will automatically ask for your full nine digits Credit Karma is subject to certain record keeping and information retention requirementsTherefore, if you were to deactivate your Credit Karma account, we cannot delete your information outrightHowever, your information is stored on secure servers and your account will be inactive and inaccessible to anyone other than Credit Karma authorized personnel You can read more in the "Terminating Your Account" section of our verified TRUSTe privacy policy here(http://www.creditkarma.com/about/privacy) If you have further concerns, please feel free to let me knowI'd be happy to answer them [redacted] P
Complaint: [redacted] I am rejecting this response because: On everyones credit score page on Credit Karma it clearly shows your regular Transunion and Equifax scores with the original Transunion and Equifax logos and Credit Karma states right there that the scores are provided by Transunion and Equifax and it does NOT say anything at all about VANTAGE SCORE on that page, yet the original Transunion and Equifax scores that Credit Karma is claiming to show you are an outrageous to points higher than your real Transunion and Equifax scores They are deceiving you by showing you these much higher Transunion and Equifax scores and they know itI'm sure it draws more people to Credit Karmas site where they do plenty of advertising for creditors etc Sincerely, [redacted] ***
Initial Business Response / [redacted] (1000, 5, 2015/05/22) */ ***, In our communications, you indicated that the email address you want active on your account is [redacted] @gmail.comThat is the email address listed on the active accountIt looks like you have been able to access your account recentlyIf you are still unable to access your account, you may respond to your previous support requests (listing the same issue) and we can assist you with resetting your password Regards, [redacted] P
Initial Business Response / [redacted] (1000, 7, 2015/07/30) */ Hi [redacted] This may just be a technical issueIf possible, please try the same action with a different browser, such as Google Chrome, Firefox, or Safari For security reasons, Credit Karma is only compatible with the three most recent versions of each browserIf you are not using one of the three most recent versions of your browser, please update your browser and try completing this action again If you continue experiencing issues please reply and let me know what browser and browser version you are usingYou can find this information by visiting whatbrowser.org here(http://whatbrowser.org/) Regards, [redacted] P Member Support Manager
Initial Business Response / [redacted] (1000, 5, 2015/08/21) */ Hi [redacted] - It looks like we sent you an update to notify you about new inquiries on your accountWe don't generate those inquiries, rather simply notify you that one of the bureaus is reporting new informationIn this case, it looks like your Equifax credit report may be the one you are indicating in your message to us If you'd like to review the companies that have reported the inquiries, you can review your full credit report on Credit Karma (https://www.creditkarma.com/myfinances/creditreport/equifax?reportId=XXXXXXXXX#...⇄ let me know if you have any additional questions [redacted] P Member Support Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Delete ALL information you folks and affiliates have acquiredI'm not interested in this method of checking my scoreOnly a complete elimination of information will be acceptableThanks Final Business Response / [redacted] (4000, 9, 2015/08/31) */ [redacted] - Credit Karma is subject to certain record keeping and information retention requirementsTherefore, when you deactivate your Credit Karma account, we cannot delete your information outrightHowever, your information is stored on secure servers and your account will be inactive and inaccessible to anyone other than Credit Karma authorized personnel You can read more in the "Terminating Your Account" section of our verified TRUSTe privacy policy here: http://www.creditkarma.com/about/privacy All of the credit report information on Credit Karma comes straight from TransUnion and Equifax, two of the three major credit bureausWe're not a credit bureau, so we don't have the ability to make changes to your credit report To correct errors you see on Credit Karma, you must file a dispute directly with the credit bureau that shows the error To file a dispute with TransUnion, please head over to the TransUnion site here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page To file a dispute with Equifax, please head over to the Equifax site here: https://www.ai.equifax.com/CreditInvestigation/home.action The 10-digit confirmation number is *not required [redacted] to fill out this form Let me know if you have any more questions Regards, [redacted] P Member Support Manager Final Consumer Response / [redacted] (4200, 11, 2015/09/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) Not Convinced although I did receive a response from someone indication the information will be deleted I don't like the idea that STAFFERS are allowed to have access Eliminate All information as you know you have someone out there in land that has presented themselves as you folksHow do I know you are legitimate?