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Based out of California, Credit Karma has been featured in multiple news articles including MSNBC, SmartMoney, The Wall Street Journal, USA Today, and TechCrunch. Beginning with two credit reports and scores, the heart of personal finance, the company brings more transparency and certainty to credit and finance with free monitoring, data-driven resources, and personalized recommendations.
Credit Karma's biggest selling point is that it is free. At absolutely no cost, it will provide members with unlimited free access to their credit reports from both TransUnion and Equifax. Even more impressive, the company refreshes these reports on a weekly basis.
Straight from Equifax and TransUnion, these fully-functional reports are updated every week. Credit Karma provides users with an easy-to-use interface for navigating and understanding their credit report, including suggestions for improving their credit.
Although CreditKarma, unfortunately, does not provide official FICO scores (more on that in a minute), the company does provide a VantageScore 3.0 for each credit report. VantageScore is a newer scoring model that has gained traction but is still not necessarily the most popular or accurate measure of one's creditworthiness. Either way, you can see your VantageScore go up and down over time on well-presented graphs and reports, which can give you an indication as to whether you're on the right track. Another cool feature is that you can actually compare your credit scores to others in your area, age group, and so forth.
Credit Karma provides a fully-configurable alerts panel to notify you by email of anything from a change in one of your credit reports to large purchases, withdrawals, interest rate changes, and so forth. Every time you log into your account, you can check for changes on your credit report since the last refresh.
Credit Karma has a well-designed mobile app for both Android and Apple devices which allows you to access all information on your credit reports, scores, and alerts while on the go. The app currently has an average rating of 4.5/5 stars in both the Apple and Android app stores.
Credit Karma maintains an up-to-date library of credit-specific educational resources that are well-written, informative, and accurate. Additionally, the company has an active community where you can get advice on all aspects of your credit and scores.
Credit Karma provides everything from debt repayment and loan calculators to fully-featured credit score simulators powered by TransUnion. The Credit Score Simulator allows you to see how different decisions, like paying off part of your credit card debt or getting a home loan, might affect your credit score in the future.
The service has absolutely no way of pulling your credit report from Experian, which is a significant blind spot in any comprehensive credit monitoring strategy.
The credit scores provided by Credit Karma aren't true FICO scores, so they aren't the same credit scores most lenders will see when they pull your credit. There have been reports of Credit Karma's VantageScore being off by as much as 100 points from what a lender saw when they pulled that customer's FICO score from the same bureau.
There have been a significant privacy questions raised by the FTC in regards to Credit Karma's mobile app not being as secure as the company claimed, resulting in a settlement in 2014, wherein the company agreed to submit to annual independent tests to verify that its apps are secure for the next 20 years.
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for what it is, it's a good easy way to check out some of your credit information - though much like anything else, you have to start paying for any real info
Really good service to have a general idea of where your credit is at.Not always 100% accurate
Best free credit monitoring app in my opinion. I use it along with a paid credit monitoring service but atcually receive updates sometimes faster through credit karma, and i really like the user friendly & intuitive displays.
This website is helping me clean up my credit to buy a home. It makes it easy to read and understand while giving me tips to improve my score. Best part its FREE!!!!
i love tracking my credit with credit karma. They make it easy and less scary. Also, I appreciate how they break down what's hurting and what's helping your credit. It assists in letting me know how best to pay off my credit cards and reach my goals.
very easy to use app nice to have your credit information at your finger tips love the helpful tips they give to help build your credit as well
easy to use and and sends notifications of changes good bad or other. i love that is always providing suggestions and ways to fix or improve your credit.
Love using credit Karma it provides your credit rating and list of accounts open very easy to track and alerts you if their is any new activity. They also provide you other options to get a car loan or credit car where they think they can save you money. love their service.
Credit Karma is a fantastic website with credit monitoring. I turn to them whenever I want to see where my credit is at and what needs to be done to increase my score. Can't go wrong with Credit Karma!
I like credit Karma. People think that their scores are not accurate but in my opinion they are I have a few apps that check your score and they all have the same amount.
Credit Karama is where I look to see my score once a month. I love how they email me as well so I dont forget to check and stay informed.
Updates from Credit Karma are nice to have to keep up with credit score. The tips they share are helpful as well. And its free
I currently monitor my credit score through credit karma, I believe this service is genius. They provide 2 credit bureaus for me and give me the ultimate confidence to go into any situation knowing where I will qualify and negotiate with power.
Credit Score, Credit Advice, It's your one stop shop for anything credit. With easy to use interface you cant go wrong. Definitely a fan of this one.
I'm signed up with Credit Karma and I have no complaints. It's 100% free, and there's really easy access to your credit report as well. Good service.
I have the credit karma app on my phone and it is so easy to monitor my credit and what is going on with it. It is updated every 7 days so it is always up to date
Credit karma ruins your credit score, they sell your information, and they try to charge you for nothing. I do not recommend.
Good for semi accurate monitoring. Don't take it as fact tho. Good tips too on improving score.
Easy to sign up for and they offer a great monthly over view of my credit. It’s great being able to see my credit score whenever I want to.
I’m not sure if I can trust these guys, it seems my score is different every time I check.
This site has helped me keep track of my credit score. It updates frequently and provides great info.
I have been using their services for free and it’s been really useful since I had some credit issues.
Credit Karma has been extremely useful, especially when I first started working on the goal to get my credit back on track. Being able to see what factors that have negatively impacted my credit really helped me in making a plan. I also love that the service is free.
I love Credit Karma. It is really accurate and helps me keep appraised of my score. It gives me reports on a regular basis and is up to date.
Great for wanting to check your credit and not take a hit. It always send emails if something doesn’t look right or score increased. Easy to use app.
Easy to use, good information. Helpful reminders to keep your credit up!
Great, free service that allows you to see your credit score and get reports. Easy to use and helpful!
waste of money for a fake credit score. don't waste your time and money.
Credit Karma gave me a false credit score. i didn't find out until i went to apply for a car loan and it was a lot higher than what Credit Karma gave me. i was not happy at all.
I love how I get emails how my credit is doing. Good updates but not sure how accurate.
got my credit score in minutes. quick and easy process. straight to the point. and it was very cheap to get my score.
LOVE Credit Karma. It let's me see an estimate of my credit score any time I want to and gives me pro tips for how to make my credit go up. It has really helped me get on top of my credit.
The mobile app has made it easy and convenient for me to keep track of my credit. It also helps me with it’s different service on how to maintain good credit.
Signed up for Credit Karma and it has been very helpful in trying to get things paid off to help build credit.
Always easy to use and hasn't been wrong yet. Like that its free and easy to use.
They have been great with us for the last 10 years, they locked us out of our account after someone tried to hack there way in. So neither of us could get in but after sending in copies of water bills, etc. we just changed passwords. Due to the Equifax data breach we have watches on savings, checking, etc. You set the limit and they inform you of activity. I find this company fantastic and highly recommend it. It also shows all the factors that influence your credit worthiness.
Appreciate their keeping me informed about my credit score.
Real easy to use interface. Gives you doable activities to raise your credit score. Good info on there.
This is the best tool in my opinion for checking your credit. They check your credit on two of the three credit bureaus and you can check your credit as much as you want for free and it won't damage your score.
Very handy service. Monthly monitor update is very helpful. I have worked hard for years to have a great credit score. Credit karma is a help to monitor my accounts for accuracy.