How To Download Credit Report From Credit Karma
Signing upwardly for a gratis Credit Karma business relationship to monitor your credit score and reports is normally easy, but not when you get a thin file notification.
I know that I don't have a thin credit file, and so I was surprised to receive this mistake when I logged in to my account. The apparent issue was with my TransUnion report, co-ordinate to Credit Karma:
Credit Karma Sparse File Notification: Why It Happens and What to Practise
What'due south a Credit Karma user to do? The site says members can sign upwards to get notified once their credit file is available and suggests opening new accounts to build more than credit.
For many who receive the thin credit file notification, that's probably proficient advice. But if you're like me and have had a mortgage, car loan and/or credit cards, this doesn't make any sense.
I reached out to Credit Karma virtually my thin file error and was able to find a solution to the problem. Here's a epitomize of my experience…
ane. Contacted Credit Karma Member Support
My kickoff footstep was to contact Credit Karma. It doesn't appear that they accept an 800 number to call for assistance, and then I started with the Credit Karma Help Center.
From this folio, I navigated to the left of the screen where it says "Credit Karma Help" and clicked "Sign Upwardly." I was taken to a folio with a agglomeration of frequently asked questions, so I scrolled to the bottom and clicked "Contact member support." Here's a direct link to that page.
This brought me to a form where I was able to make full in specific details about the thin credit file notification and explicate why I thought there must exist some blazon of a fault. Hither's what I wrote:
I accept an 800+ credit score and have had credit for many years, but I can't use Credit Karma considering it says I have a "sparse file." I logged in today later years of not bothering and it still says I have a thin file. Help?
My message to Credit Karma
I received an email from Credit Karma nigh immediately that included a ticket number. The message said they were experiencing loftier volumes and would get back to me as soon as possible.
2. Submitted Driver's License to Verify Identity
Nearly 24 hours later, I got a response from Credit Karma and a new clue. Here's what they said nearly why I got the thin file notification:
During registration, our system tries to match the information y'all provided with what the credit bureaus have on file for you. Information technology looks similar our system couldn't verify your identity only we tin still help you prepare up an business relationship by verifying your identity another way.
Credit Karma customer service representative via email
To verify my identity, Credit Karma had me click on a special link and submit a picture of my driver'south license, front end and back. This was to exist done using a mobile device.
Unfortunately, this method didn't work. I tried at to the lowest degree v times and Credit Karma was still unable to verify my ID.
I replied to the email and waited to hear almost the next pace…
3. Uploaded Identity Verification Documents
The next mean solar day, Credit Karma responded via email and gave me another link. This time I was asked to supply two different forms of identification from the list below.
Primary documents include:
- Driver'south License or State ID (Showing Four Corners)
- Passport
- Permanent Resident Card (Green Bill of fare)
- War machine ID (requires front and back)
Secondary documents include:
- Another certificate from the primary listing
- Nascency Certificate
- Social Security Card (can't be laminated)
- Total Utility Bill such every bit gas, water, electrical or internet
This process was pretty straightforward. I clicked on the link from the e-mail, uploaded my documents that I already had saved on my Google Bulldoze and clicked submit.
Fortunately, Credit Karma got back to me later that day and said they were able to successfully verify my identity.
When I logged in to my account, the thin file notification was gone and I was greeted with my 800 credit score. Problem solved!
Final Thought
If you've had trouble signing upward for Credit Karma because of the sparse credit file notification and know that information technology must be a mistake, you tin can follow the steps that I took to resolve the issue:
- Contact Credit Karma fellow member support through the Assistance Center
- Look for instructions from Credit Karma via e-mail
- If asked, upload driver's license photo using secure link
- If asked, upload other verification documents using secure link
Source: https://michaelsaves.com/credit/credit-karma-thin-file-error/
Posted by: parkshancy1982.blogspot.com
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