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 company brings more transparency and certainty to credit and finance with free credit monitoring services, data-driven resources, and personalized recommendations.
Credit Karma's biggest selling point is that its services are free. With no payments required, the company will provide members with access to their credit reports and scores from two of the major credit bureaus, TransUnion and Equifax.
Even more impressive, the company refreshes these reports on a weekly basis.
Those who have a Credit Karma account are able to receive updates for their TransUnion and Equifax credit reports 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, 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, users can see their VantageScore go up and down over time on well-presented graphs and reports, which can give them an indication as to whether they are on the right track.
Another feature is that users can compare their credit scores to others in their area, age group, and so forth.
Credit Karma provides a fully-configurable alerts panel to notify consumers by email of anything from a change in one of their credit reports to large purchases, withdrawals, interest rate changes, and so forth.
Each time someone logs into their Credit Karma account, they can check for changes on their credit report since the last refresh.
Credit Karma has a well-designed mobile app for both Android and Apple devices which allows users to access all information on their credit reports, scores, and alerts while on the go.
Credit Karma maintains an up-to-date, online library of credit-specific educational resources that are well-written, informative, and accurate. Additionally, the company has an active community where users can get advice on all aspects of their 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 a user's 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 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.
I love this application and service that they offer it is very convenient and easy to use
The absolute best at what they do. They have created a service that shows all of my accounts currently open, ways I can save and it's all provided free of charge. This service has helped me raise my credit score and I can't thank them enough.
Credit Karma has helped me raise my credit score and shows me a lot of helpful information that can be used to raise it even higher.
Awesome credit site! Sign up is free and always get alerts whenever something changes on my report.
Credit Karma has been very helpful to me by teaching me how important a credit rating is and providing me with a way to keep track of my credit score. Their website/app is easy to use and to see what is happening with my credit rating. Thank you for helping me to be proactive in protecting my credit.
I get update emails about my credit score every time that it changes. I feel at peace.
I like the easy of tracking my credit through credit karma and getting notifications about the changes.
I created a Credit Karma account years ago when they 1st came out. They have been amazing at keeping track of my loans and credit score as well as inform me of any increase or decrease in credit score. I think this year we are going to try the new Tax Refund they offer
I love credit karma! II use this app almost every day, but definitely every week. It is such a helpful tool and well designed. Great product!
Credit Karma is one of my favorite companies when it comes to monitoring our credit. It not only allows me to keep up with my credit score but it implements other methods that allows me to keep my credit score up.
Simply one of the best online credit monitoring services out there: Credit Karma. So helpful in improving credit, identifying issues, valuable risk alerts-Credit Karma has simply become invaluable and necessary. If you value smart...then Credit Karma is a must.
Credit Karma helps me monitor my credit the best! They give me fast and easy access to my credit score and never share it! The costumer service is very nice!
Great credit finder. It's ways so quick, efficient, and correct. It's also really easy to use.
Free service with monthly checks. Helps you find better credit card offers as well. Able to quickly raise score
Not a huge fan. The numbers aren’t very accurate compared to the real score. Wish it was closer to the real numbers
I used to work at a bank and Credit Karma by far was the most reliable source to help customers learn about credit, track their credit, and get great deals on rewards credit cards. I like Credit Karma for its ease and simplicity. They do the job of helping people figure out what they need to do and to spot irregularities in their credit history to dispute. I'm not sure how this will change with the new updates happening to FICO scores though! What's more is that the service is free!
I love credit karma! It allows me to check my credit score at anytime of the day with no charge. It also gives me suggestions of how to improve my credit score and shows me new credit cards I can get approved for. It is very helpful and reliable.
Credit Karma is great, especially for mostly free service. It helps me keep up on my credit score and when it adjust whiteout wrecking my credit.
Credit karma is very good with helping you keep track of your credit score. It gives you updates often and they give you lots of helpful advice on building your credit.
I love getting emails from my account when my score goes up or down. They are sure to notify you as soon as a change has happened.
Credit karma helped me raised my credit score and build differnt types of cerdit. I was also lucky to get a line of cerdit due to my payment history.
Free credit checks! They keep me in check! Definitely is a MUST use, what other way is better?
Free credit score check AT ANY TIME with no fees! That is literally the best it can get! They've helped me boost my credit with their helpful tips! I LOVE Credit Karma
Easy to use. Sends out alerts if any changes to credit. Offers options on credit cards and loans. Help you plan any future purchase options.
They do great at keeping you up to date with emails on if your credit changes even the slightest.
I love credit karma. No hidden fees, nothing. Free and accurate. So convenient i love them.
Credit Karma helped me check my credit score in less than 3 minutes!! Honestly the best!
I recommend everyone get credit karma. It is invaluable information that is totally free. Definitely a game changer, in that I can get monthly updates on my score.
Credit Karma has helped me keep an eye on my credit score for the last year- after I did some major restructuring. Really beneficial.
Free credit checker. Trustworthy, no virus, and amazing provider for people who couldn’t get a checkup on their credit score.
I love monitoring my credit score through Credit Karma. Weekly email updates and tracking my spending are perks too!
Love the ability Credit Karma gives me to keep an eye on my credit score. The tools they provide allow me to better monitor my financial habits and enable me to make more intelligent decisions.
Great way to see your credit score without it lowering. There’s also a mobile app for credit karma which you can just check on a daily how your scores is doing and what inquiries you’ve made under your name.
It is completely free and allows to keep track of your score. It does not change your score. And once you start making progress, they help build on that growth with helpful tips.
The best credit monitoring and it's free! I get emails letting me know when my score has changed, Information on how to get better my score, offers from likely financial companies. It even let's me know when a due date is coming up. I can't believe it's free. I highly recommend Credit Karma.
This app has saved my life! I am young and I never knew how important my credit score is and what it means in life. Having this app on my phone has allowed me to stay alert for criminals, who often steal other people's identity. It also lets me know what exactly is on my credit report so I can know what I owe or if something is incorrect. Credit Karma is the most accurate credit score app that I have, and they always notify me when something new has popped up on her report.
keeps me updated on any changes to my credit. lists what i can to do improve my credit, which is helpful
I love credit Karma! They are free and you can see and track your credit score. It also tells you how certain things affect your score. I highly recommend for anyone that wants to keep their credit in the green..
I love Credit Karma because it links to my credit card account, so with a click of a button I can instantly see my current credit score and that last six months. It's a wonderful tool to have.
I love using Credit Karma. They don’t ruin my credit when I check it. It shows me exactly what my credit score is.
Very self explanatory and informative. Tells you exactly where you stand and what you need to do to improve your score.
Credit Karma helped me build my credit over 100 points with helpful tips to help me out and I appreciate them.
Very helpful, accurate, trustworthy. They are very prompt in sending notices about changes.
Love everything about credit Karma! I get a monthly email so I remember to check my credit score, notices on any changes, and this has enabled me to improve my credit over the past three years.
I've been using credit karma for quite a few years now and it has helped me monitor and help pay debts.
I have been a Credit Karma user for many years. So, when they announced their new Savings Account offering I jumped on it. Only to get an error at completion "We weren’t able to create your account. Sorry for any inconvenience. Please check that your account and application information is correct. Thank you for your interest in Credit Karma Savings!". I contacted the customer service department to get a better understanding of the error and what I might have missed in my application. Response I received "We do not have any specific details on the exact reason why; all we can tell you is that you will be unable to open a Savings account." If you do not have the infrastructure ready, do not release an offering.. This customer service interaction was insufficient and unhelpful. I am sure with a better question re-routing in place, I and the customer service rep could have wasted a lot less time.
I signed up with Credit Karma and I am very happy I did. For years I was not sure if should. I was concerned that it could affect my credit score. I find it to be an easy way to monitor my credit score. They have a lot of helpful tips on the website.
I have a credit karma account and I specially like the ability that I have the ability to check my credit score frequently.
Love Credit Karma. They've helped us to be able to build and monitor our credit once we got married and got our first credit card and bought our first card. They were very helpful to suggest cards that were best for us and very easy to use.
We tried if for my mom when her credit card information was compromised at a car rental companies place not the best on the market.