The thing is, Credit Karma shows its still under investigation and that they have 30 days to respond. Credit Karma UK Limited is authorised and regulated by the Financial Conduct Authority under registration number 737743. 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. Got the message - 4366191 - 2 Its been 3 months and i still havent received a second response to my second dispute. These are two separate disputes. By clicking one of these, you are giving either positive or negative karma to the post. Seeing changes on Credit Karma. 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 obviously thrilled and disputed the debt through CK citing "The balance is incorrect." Seemed a little too easy. There are well-established dispute procedures and policies. But before you file a dispute, you should understand this: Only information that’s considered inaccurate can be taken off your credit report. Pull your report from Annual Credit Report and see what the results are. The dispute tool only required a couple of clicks. 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. Has anyone had any luck using Credit Karma's tool for filing a dispute with TransUnion about a collection account? 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!!! The point some are alluding to is that Credit Karma is fluff. Credit Karma UK Limited is registered in England and Wales with company number 7891157. Positive karma increases the number of points a post has, while negative karma decreases that number. Last month I discovered Credit Karma and the ability to dispute a collection claim. Credit Karma isn't the magic bullet. Dont get me wrong, I'm glad Credit Karma's Direct Dispute feature (robot?) 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