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Credit Karma - Free Credit Scores & Reports

Credit Karma - Free Credit Scores & Reports

Credit Karma, Inc.

Make the most of your finances with your free credit scores and reports.

4.8 Ratings 5M+ Reviews 10M+ Downloads
Featured on Top Apps for Fixing a Bad Credit Score

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About Credit Karma - Free Credit Scores & Reports

Make the most of your finances with your free credit scores and reports.
see more about Credit Karma - Free Credit Scores & Reports

Ratings & Reviews

4.8
4.7M+ Ratings
  1. 5
    88+%
  2. 4
    9+%
  3. 3
    2+%
  4. 2
    0+%
  5. 1
    1+%
Write a Review
  • Inflated Credit Scores Beware Jan 12, 2020

    By The 649
    I have been using Credit Karma for the past three years and Credit Karma is constantly indicating that you qualify for a personal loan that can save you interest. It states that you can check now with no impact on your score. Both scores on Credit Karma shows 800 plus respectively. After applying you receive multiple email notifications and regular mail indicating that you do not qualify for lack of credit, insufficient credit activity and history etc.. In addition, both credit agencies that Credit Karma shows/uses have my credit score showing 90 points less respectively. I know in their verbiage they indicated that each agency uses it’s own scoring system. My concern with Credit Karma is that it is misleading when it comes to displaying accurate credit scores and it appears as if scores are inflated whereby consumers can feel that they have good scores to apply for products being offered on Credit Karma. If you are going to collect our data and provide misleading scores to create a false positive for us to apply for credit/loans whereby the advertisers will pay you then you should be upfront and truthful with your credit scoring. Be ware of the inflated credit scores on Credit Karma.
    more
  • Feb 26, 2021

    By Brenda Ramos
    This legitimately helped me get my ish together. Now that I'm about ready to fly out of the nest, I was finally ready to bite the bullet to see where my credit stood. Couldn't have been more pleased with this app. It's user friendly, easy to understand, and makes managing your credit score feel so rewarding. Being free is an added perk. It's seeing a notification that says my credit score went up that brings me pure joy.
    more
  • Need more credit offerings Jan 21, 2020

    By Asia Lovey
    I LOVE Credit Karma! I only wish they had more diverse credit card option. As my credit score gets better, I keep getting offers from Capital One. I have two cards already and when I accepted an offer they (Credit Karma via email) recently sent me, I was declined based on having too many Capital One cards. I have no problems with my Capital One cards, the app makes it so easy to manage and pay my balances. The in app reviews seem to be spot on so make sure you take the time to read them before accepting offers. They seem to be partnered with a company that offers credit but the reviews are pretty much “consumer beware” I’m glad to have Capital One in my wallet so if your looking for a go to card with awesome reviews on rebuilding your credit, they are a good place to start. I recently also started receiving auto financing offers from a company that basically sells their cars via a vending machine concept. The reviews are absolutely horrible and the cars are severely overpriced. It is my opinion that some partnerships are just not a good fit for Credit Karma. Someone with bad credit would have a better chance of getting a better deal at a lemon lot or car auction. Credit Karma has helped me set reachable credit goals. I just wish there were better in app credit offerings as ones scores improve.
    more
  • Feb 26, 2021

    By Justin Martin
    I have been using the Credit Karma app for many years. This app is amazing, providing me all the background details and information I need to keep a continuous monitor over my credit score, reporting, and behaviors overall with my credit use. They also offer recommendations for credit and loans for personal credit cards, home loans, car loans, and so much more! I really do enjoy this app a lot.
    more
  • A Game Changer! Jul 21, 2019

    By DMLaguna
    This app is for anyone that is serious about improving their credit. This app increased my credit score dramatically after a few months because they make it easy to dispute derogatory items. They also give you recommendations as to what you need to do to improve your credit score like paying down balances etc. I made the mistake of downloading another popular credit app through Experian and that was a big mistake. It gave me a credit match with a credit card that it claimed I was likely to receive an approval with, so (as the company claims), I could “apply with confidence”. That was completely false! I was declined for that card and it left a hard inquiry on my account which dramatically affected my credit score. I will never trust an app like I trust Credit Karma. Credit Karma will allow you to be matched with credit cards that you are likely to be approved from plus, the credit card companies will check your credit without doing a hard inquiry and allow you to see if you qualify without negatively effecting your credit score. I seldom do reviews but I this time I felt it was necessary to give Credit Karma the ‘credit where credit is due’.
    more
  • Feb 15, 2021

    By Average Joe
    Used to be good but some features are not there. I don't use the email or phone number I used to first sign up years ago. I tried to switch the phone number and email to current, but it wants to text my old number to verify. What? Why? I DON'T USE THAT NUMBER ANYMORE. so now someone has my login info on my old number because credit karma couldn't make it a little easier to change 🤬😡
    more
  • Feb 22, 2021

    By Andy
    This is great for credit monitoring. But never use their banking accounts. My accounts have been frozen 3 times in 2 months for "suspected fraudulent activity". I have done nothing fraudulent or abnormal. You can talk to overseas customer service on the phone, they can't do anything but send internal emails to hopefully fix the problems. After 2 weeks, you will receive an unprofessional email stating it has been resolved. But it hasn't. Then you start the process over.
    more
  • Feb 20, 2021

    By 11 coolwhips
    I used the tax software last year and was happy with it. It is totally broken this year (2020 tax year). I contacted support and have been almost totally ignored. The credit info is ok but the main reason I would visit CK is for the tax software.
    more
  • Feb 22, 2021

    By Charles Prentice
    Be careful about this company. They said it was a postal service issue that my card will show up a week or two later! I did my research before I called and it seems to be not all the fault of the USPS! The lady was extremely nice and professional. So my opinion is don't put your trust in this company and Application. Or simply look into them before you do. With the word in a major pandemic honest business is one of my biggest concerns.
    more
  • Beneficial and harmful Apr 10, 2019

    By imsupersteph
    I love this idea but they do have “bugs” to work out. The recommendations and dates they provide are often just suggestions. They assume when things will post or change but it doesn’t necessarily mean it will happen. If you use it, just monitor your score and DO NOTHING THROUGH THEM. In my personal experience, the one dispute I wanted to do on their site ended up disputing ALL of my accounts, which led to a HUGE nightmare because I was working with a mortgage lender. Unfortunately I was told a bit too late to avoid 3rd party credit services for anything of this nature. I emailed credit karma and received insults instead of help. I simply wanted them to be aware that their one click dispute led to serious and unnecessary issues and they should look into it but I was immediately blamed and told I must have made a mistake somewhere. I pointed out I’ve used the service approximately 20 days and per their guidelines you can only dispute 1 account, and I only had 1 negative, but now have 11 disputes I’m trying to remove. This now takes 2-3 months to clear up. So thanks credit karma for pro longing my mortgage and disputing all of my good standing accounts in my one click with insults and blame instead of getting to the bottom and helping.
    more
  1. Track down unclaimed money in your name! Over $40 billion waiting for you to claim. Find out if any of it is yours
  2. Keep your identity safe. Spot potential ID theft with instant notifications when your information is involved in another company’s public data breach
  3. Dig into your credit profile and find out what goes into your credit score. Use Direct Dispute if you find any errors and resolve issues immediately

Reviewed by Laura S on December 12, 2017

  • Inflated Credit Scores Beware Jan 12, 2020

    By The 649
    I have been using Credit Karma for the past three years and Credit Karma is constantly indicating that you qualify for a personal loan that can save you interest. It states that you can check now with no impact on your score. Both scores on Credit Karma shows 800 plus respectively. After applying you receive multiple email notifications and regular mail indicating that you do not qualify for lack of credit, insufficient credit activity and history etc.. In addition, both credit agencies that Credit Karma shows/uses have my credit score showing 90 points less respectively. I know in their verbiage they indicated that each agency uses it’s own scoring system. My concern with Credit Karma is that it is misleading when it comes to displaying accurate credit scores and it appears as if scores are inflated whereby consumers can feel that they have good scores to apply for products being offered on Credit Karma. If you are going to collect our data and provide misleading scores to create a false positive for us to apply for credit/loans whereby the advertisers will pay you then you should be upfront and truthful with your credit scoring. Be ware of the inflated credit scores on Credit Karma.
    more
  • Feb 26, 2021

    By Brenda Ramos
    This legitimately helped me get my ish together. Now that I'm about ready to fly out of the nest, I was finally ready to bite the bullet to see where my credit stood. Couldn't have been more pleased with this app. It's user friendly, easy to understand, and makes managing your credit score feel so rewarding. Being free is an added perk. It's seeing a notification that says my credit score went up that brings me pure joy.
    more
  • Feb 26, 2021

    By Justin Martin
    I have been using the Credit Karma app for many years. This app is amazing, providing me all the background details and information I need to keep a continuous monitor over my credit score, reporting, and behaviors overall with my credit use. They also offer recommendations for credit and loans for personal credit cards, home loans, car loans, and so much more! I really do enjoy this app a lot.
    more
  • A Game Changer! Jul 21, 2019

    By DMLaguna
    This app is for anyone that is serious about improving their credit. This app increased my credit score dramatically after a few months because they make it easy to dispute derogatory items. They also give you recommendations as to what you need to do to improve your credit score like paying down balances etc. I made the mistake of downloading another popular credit app through Experian and that was a big mistake. It gave me a credit match with a credit card that it claimed I was likely to receive an approval with, so (as the company claims), I could “apply with confidence”. That was completely false! I was declined for that card and it left a hard inquiry on my account which dramatically affected my credit score. I will never trust an app like I trust Credit Karma. Credit Karma will allow you to be matched with credit cards that you are likely to be approved from plus, the credit card companies will check your credit without doing a hard inquiry and allow you to see if you qualify without negatively effecting your credit score. I seldom do reviews but I this time I felt it was necessary to give Credit Karma the ‘credit where credit is due’.
    more
  • Feb 22, 2021

    By Sean Zoller
    Extremely helpful in a bunch of different areas especially to someone who knows only a little in a lot of different areas. To me personally it was the most helpful learning and growing my credit for the first time in my life but it is also helping me during tax season and other things that I never knew Credit Karma also worked hand-in-hand with. I would recommend Credit Karma to just about anybody out there.
    more
  • Need more credit offerings Jan 21, 2020

    By Asia Lovey
    I LOVE Credit Karma! I only wish they had more diverse credit card option. As my credit score gets better, I keep getting offers from Capital One. I have two cards already and when I accepted an offer they (Credit Karma via email) recently sent me, I was declined based on having too many Capital One cards. I have no problems with my Capital One cards, the app makes it so easy to manage and pay my balances. The in app reviews seem to be spot on so make sure you take the time to read them before accepting offers. They seem to be partnered with a company that offers credit but the reviews are pretty much “consumer beware” I’m glad to have Capital One in my wallet so if your looking for a go to card with awesome reviews on rebuilding your credit, they are a good place to start. I recently also started receiving auto financing offers from a company that basically sells their cars via a vending machine concept. The reviews are absolutely horrible and the cars are severely overpriced. It is my opinion that some partnerships are just not a good fit for Credit Karma. Someone with bad credit would have a better chance of getting a better deal at a lemon lot or car auction. Credit Karma has helped me set reachable credit goals. I just wish there were better in app credit offerings as ones scores improve.
    more
  • Feb 26, 2021

    By Kenneth Cheromiah
    It would be 5 stars if it kept up-to-date, but I understand it's a periodic update on information given. This app helped me get approved for a credit line not once but twice when others didn't approve me just to get started on my credit. In short, the app is helpful and supportive with credit awareness.
    more
  • Great Service and Beautiful App Feb 3, 2019

    By Rock4Jesus777
    I’ve been using this app for a few years now. It’s a great credit monitoring tool! Easy, beautiful design and really a lot of info at your finger tips. I really have zero complaints about using Credit Karma or the reliability of their services. I do however have one complaint and it’s regarding the app for iPad. I have my App Store filter set to only show iPad apps and Credit Karma still shows up. However after installing I noticed it responds like an iPhone only app. It can only be used in the Portrait screen orientation, has the enlarger icon in the bottom right and it is VERY pixelated. Granted I am using an iPad Air 2, so it’s a little older but I’ve not had any issues with other iPad/iPhone compatible apps. I use my iPad as a laptop (built in keyboard and such makes it just like a laptop) so to have it where it only works in portrait orientation means I can’t use it in landscape orientation, and the pixelation makes me want to use my iPhone, but when using the CK Tax Service, well, I don’t want to have to do that whole process on my phone! If this gets fixed, and this app is truly updated for iPad compatibility, it is well worth 5 stars!
    more
  • Feb 20, 2021

    By Joshua Stout
    Great to get and "idea" of you credit. Great for your basic tax needs, but best to get your own tax "person". Lots of other features worth exploring like personal vehicle loan refinances, value, and recalls; I've gotten a few personal loans (but no mercy on interest rates)... overall I like the app!
    more
  • Feb 19, 2021

    By Ayana Wooten
    overall great way to improve and learn about your credit and... my only complaint is the personalized optioned for credit cards and other things .. so the issue may be just that (personal) . I've manged to improve my score by about 80 points in the last year alone!! HIGHLY RECOMMENDED✔
    more
  • It’s a decent starting point Aug 9, 2019

    By loralye_XO
    I’ve used this app for well over a year and a half. It’s a good free starting point to learn what’s effecting your credit. After reading articles outside of this app, I learned steps needed to improve my credit. Credit Karma helped with the basics (account balances, when creditors reported to the bureaus, etc.). When I refinanced last year I saw that Credit Karma was showing 40-50 point less than what the bank pulled. So, I kept this in mind moving forward. A few months ago I worked on boosting my score 40 points or so, continued to use Credit Karma with the understanding their scores are not accurate... recently I subscribed to FICO for my scores, and yes Credit Karma is anywhere from 30-60 points lower than FICO actual (depending on which of the 2 scores CK provides). Bottom line, Credit Karma is a good starting point for people looking to improve their scores. Just keep in mind the scores they provide are not accurate but the other reporting data is pretty much on target (balances, dates bank report info to the credit bureau, etc.). Good luck, getting into the understanding of how FICO scores work and working on improving them really can change your consumer behavior for the best!!!
    more
  • Beneficial and harmful Apr 10, 2019

    By imsupersteph
    I love this idea but they do have “bugs” to work out. The recommendations and dates they provide are often just suggestions. They assume when things will post or change but it doesn’t necessarily mean it will happen. If you use it, just monitor your score and DO NOTHING THROUGH THEM. In my personal experience, the one dispute I wanted to do on their site ended up disputing ALL of my accounts, which led to a HUGE nightmare because I was working with a mortgage lender. Unfortunately I was told a bit too late to avoid 3rd party credit services for anything of this nature. I emailed credit karma and received insults instead of help. I simply wanted them to be aware that their one click dispute led to serious and unnecessary issues and they should look into it but I was immediately blamed and told I must have made a mistake somewhere. I pointed out I’ve used the service approximately 20 days and per their guidelines you can only dispute 1 account, and I only had 1 negative, but now have 11 disputes I’m trying to remove. This now takes 2-3 months to clear up. So thanks credit karma for pro longing my mortgage and disputing all of my good standing accounts in my one click with insults and blame instead of getting to the bottom and helping.
    more
  • Feb 15, 2021

    By Average Joe
    Used to be good but some features are not there. I don't use the email or phone number I used to first sign up years ago. I tried to switch the phone number and email to current, but it wants to text my old number to verify. What? Why? I DON'T USE THAT NUMBER ANYMORE. so now someone has my login info on my old number because credit karma couldn't make it a little easier to change 🤬😡
    more
  • Feb 22, 2021

    By Andy
    This is great for credit monitoring. But never use their banking accounts. My accounts have been frozen 3 times in 2 months for "suspected fraudulent activity". I have done nothing fraudulent or abnormal. You can talk to overseas customer service on the phone, they can't do anything but send internal emails to hopefully fix the problems. After 2 weeks, you will receive an unprofessional email stating it has been resolved. But it hasn't. Then you start the process over.
    more
  • Feb 20, 2021

    By 11 coolwhips
    I used the tax software last year and was happy with it. It is totally broken this year (2020 tax year). I contacted support and have been almost totally ignored. The credit info is ok but the main reason I would visit CK is for the tax software.
    more
  • Feb 22, 2021

    By Charles Prentice
    Be careful about this company. They said it was a postal service issue that my card will show up a week or two later! I did my research before I called and it seems to be not all the fault of the USPS! The lady was extremely nice and professional. So my opinion is don't put your trust in this company and Application. Or simply look into them before you do. With the word in a major pandemic honest business is one of my biggest concerns.
    more
  • Feb 20, 2021

    By Joe Siero Jr
    Apple device specific. The apps on android and apple are not the same. It doesnt ask some crucial information on android phone causing tax form rejection. No customer service to get in contact with, and if you chat with them, they will send an email telling you it has to be the device not the service. Credit karma needs a better app team and checking on these things. So far its been a problem for 2 yrs, still no fixes. Also, they take up to 3 months to let you know the taxes are rejected
    more

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