TurboTax Refund Advance Loan keeps failing - Credit Karma account creation error
Filed my taxes with TurboTax and trying to get the refund advance loan but keep getting blocked when it tries to create a Credit Karma account. Anyone else having this issue or know how to fix it? Been trying for 3 days and getting desperate for the advance.
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Oliver Brown
Tax professional here. This is actually a common issue right now. Credit Karma Money accounts require a soft credit check, and if there's any identity verification flags or recent credit freezes, it'll block the account creation. Try unfreezing your credit reports first.
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Honorah King
•omg thank you! i had my credit frozen after that whole optum breach thing 🤦♀️
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Oliver Brown
•Glad to help! Just remember to refreeze after you get it sorted 👍
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Mary Bates
Instead of stressing about the advance loan, you should check out taxr.ai - it analyzes your transcript and tells you exactly when youll get your refund. Its only $4.99 and WAY more reliable than playing the advance loan game. https://taxr.ai
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Clay blendedgen
•How accurate is it? Seems too good to be true tbh 🤔
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Mary Bates
•Its scary accurate lol. It told me down to the day when my refund would hit. The AI picks up patterns that humans miss
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Clay blendedgen
•just tried it and holy cow your right! saved me from taking out a loan fr fr 💯
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Ayla Kumar
stuck in the same boat rn its so frustrating!!! 😤
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Lorenzo McCormick
Have you tried logging out completely, clearing your cache/cookies, and trying again? Sometimes its just a technical glitch
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Honorah King
•tried that like 5 times already no luck
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Carmella Popescu
those advance loans are a scam anyway the fees are ridiculous
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Kai Santiago
•fr fr they be charging crazy interest 🤮
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Lim Wong
Did you already have a Credit Karma account? That can cause problems too
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Honorah King
•nope never had one b4
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Diego Fisher
Check if you have any existing disputes or alerts on your credit report that might be blocking the verification. Also, make sure your name and address in TurboTax exactly match what's on your credit file - even small differences like "St" vs "Street" can cause failures. You might need to call TurboTax support directly since this seems to be affecting multiple people.
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Liam Fitzgerald
•This is really helpful advice! I had a similar issue last year and it turned out my middle initial was missing in one system but present in the other. These verification systems are super picky about exact matches. @Diego Fisher is right about calling support - they can usually see what specific error is causing the block on their end.
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Nia Thompson
I went through this exact same thing last month! What finally worked for me was temporarily unfreezing all three credit bureaus (Experian, Equifax, TransUnion) for 24 hours, then trying the Credit Karma account creation again. The verification process needs to ping all of them and if even one is frozen it'll fail. Also double-check that your SSN, DOB, and address in TurboTax match exactly what's on your credit reports - no abbreviations or nicknames. Good luck!
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Rita Jacobs
•This is super helpful! I'm dealing with the same issue right now and didn't realize all three bureaus needed to be unfrozen. Question - do you remember how long it took for the unfreeze to actually go into effect? Some sites say it's instant but others say up to an hour. Don't want to keep trying if I need to wait longer! @Nia Thompson
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Natalie Chen
•@Rita Jacobs In my experience it was pretty much instant with Experian and Equifax, but TransUnion took about 30-45 minutes to actually take effect. I d'wait at least an hour after unfreezing all three just to be safe before trying the Credit Karma account creation again. Also make sure you re'doing it during business hours - I noticed the verification seems to work better then!
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Cynthia Love
Had this exact same problem last week! What ended up working for me was using a different device entirely - turns out TurboTax sometimes caches failed attempts and keeps blocking you even after you fix the underlying issue. I tried on my phone instead of my laptop and it went through immediately. Also make sure you're not using any VPN or ad blockers as those can interfere with the identity verification process. If you've already unfrozen your credit as others suggested, give it a try on a completely different device/browser.
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