August 2, 2025 at 8:48 am

Credit Karma Customer Said Her Credit Score Went Up Because She Said Her Student Loan Payments Were Up To Date. But They Aren’t.

by Matthew Gilligan

woman talking about student loans

TikTok/@beaningzoey

Well, that’s unusual!

A TikTokker named Zoey took to the social media platform and she had some interesting information to share with viewers regarding credit scores and student loans.

woman talking to a camera

TikTok/@beaningzoey

Zoey said she stopped paying her student loans and she got in touch with the Department of Education to see if she could get some of her payments removed from her account.

She told viewers, “I get an email from Credit Karma today and they told me, ‘Hey girl, you know you did good, nice work, it’s current.’”

Zoey said late payments had been erased and that her credit score went up by 155 points.

She explained, “So I click on it and it says, ‘The Department of Education changed your account from 120 days late to current,’ which meant that my payments were now current.”

woman talking about student loans

TikTok/@beaningzoey

Zoey continued, “But I ain’t pay. I’m not paying, I don’t know what else to tell you. I’m not paying.”

woman talking to tiktok viewers

TikTok/@beaningzoey

Check out the video.

@beaningzoey

ummm can yall check for me? edit: yall i have an accountant (in the family 25 years with me almost 10 years) please don’t be worried for me! everything is okay! #studentloans #studentloandebt #departmentofeducation #trump

♬ original sound – zoey!

TikTokkers shared their thoughts.

This person chimed in.

Screenshot 2025 06 29 at 1.44.35 PM Credit Karma Customer Said Her Credit Score Went Up Because She Said Her Student Loan Payments Were Up To Date. But They Arent.

Another viewer had an interesting thought…

Screenshot 2025 06 29 at 1.44.45 PM Credit Karma Customer Said Her Credit Score Went Up Because She Said Her Student Loan Payments Were Up To Date. But They Arent.

And one TikTokker spoke up.

Screenshot 2025 06 29 at 1.44.56 PM Credit Karma Customer Said Her Credit Score Went Up Because She Said Her Student Loan Payments Were Up To Date. But They Arent.

Well, that was unexpected news…

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