Credit Karma

Credit Karma

Credit Karma, LLC

The money app where your hard work pays off on your financial progress.

4.8 Ratings 7M+ Reviews 10M+ Downloads

Ratings & Reviews

Write a Review
  • img Community
    Trying to fix a bad credit score feels like a hole with no end since you don't know where to start. If you feel clueless, Credit Karma provides some solid advice so you don't feel as if lost in a credit jungle.
    img by Antonio
    3 years ago
  • img Community
    In 2021, with so much fraud and problems with your identity being stolen, monitoring your credit is even more important. My husband and I both use this app and have found it to be very helpful.
    img by Aubrey
    1 year ago
  • img Community
    The difference between a 600 and a 700 credit score could cost you your dream apartment. Monitor your credit score closely from your phone to find out how to raise your credit score in preparation for your big move.
    img by Sharon
    1 year ago
  • img Expert Best Credit Score Monitoring Apps 2022

    Best Credit Score Monitoring Apps 2022

    Whether you're trying to improve your credit or are worried about identity theft, credit monitoring apps can improve your financial health and give you peace of mind. We tried nine to find the best.

  • img Expert
    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
  • Good way to track credit changes, with caveats Apr 9, 2021

    By Brianm523
    I’ve been using Credit Karma for at least 7-8 years now, and overall I’m very happy with how it shows my scores and keeps info up to date on my report. I was able to dispute a negative item through CK and have it removed, which gave my score a remarkable jump. I started with about a 580, and CK now shows me at 720. Now, the only downside is that CK uses the Vantagescore 3.0 model, while no lenders do. They all use FICO modeling, some are still using FICO 3 even though that model is from many years ago. This can make your score significantly different, sometimes higher, but usually lower. For example, when I bought my house back in 2016, CK showed me to be around 680. My actual FICO score used was closer to 620. That put me in a different interest rate bracket, so my payments were a little higher than expected. Fast forward to present day (April 2021) and while CK shows my score at 720, a recent Amex platinum card approval shows my score at 758. So, don’t go into Credit Karma thinking it’s the same score you will get from a lender that pulls your report, but use it as a tool to monitor your credit and manage your debt. It’s helped me in that regard, and I take the scores with a grain of salt understanding scoring models are different.
  • Jun 13, 2022

    By Shiela Jones
    I love Credit Karma, it shows me my credit progress anytime I want to check it. It also gives you tips on how to improve your score. It keeps track of your home value, mortgage payments, home equity. It keeps track of your car payments and value also. It alerts you to any changes so you will know if someone has opened, closed or charged on any of your accounts right away.
  • Earned 5 Star Review ⭐️⭐️⭐️⭐️⭐️ May 1, 2022

    By Emileed7411
    Absolutely worth the 5 star review for too many reasons to list here but one thing I will say for anyone just coming across Credit Karma or anyone just simply looking into joining Credit Karma, it’s 100 percent worth it in my opinion. I absolutely love everything about it and have not one bad thing to say about it. To say that it has helped me tremendously and guided me through the right steps to come a very long way in my credit journey! It’s very informative, helpful, and for the majority of my last 8-10 years spent on Credit Karma 99.8 percent accurate. I’ve had 1 instance of having exceptional approval rates and upon applying, I was in fact denied which did unfortunately lower my score quite a bit but only temporarily. Other than that, I’ve had nothing but positive experiences that I will forever be grateful to Credit Karma for playing such a huge role in! Without CK, I wouldn’t consider myself half as lucky to know even close to as much as what I do right now at my age about credit, credit scores and just how truly important credit overall actually is. Highly recommend this app and everything about it! Very helpful to me and I’m sure it could be just as helpful to anyone else who takes it seriously! My top credit app for sure!
  • Nothing to not like about this app Aug 3, 2021

    By steph0468
    When I started with credit karma 3 years ago I literally had no credit score. Ten years of zero revolving credit and I looked like a ghost to potential lenders. Now I have a score well above 700 with Transunion. Equifax is lower because I guess they still have me on side-eye status. I’ve paid attention to everything credit karma has suggested and stayed on top of my score with its help. I even created a new email after it alerted me to my old account being present on the dark web. It’s just a great app if your goal is to get a handle on your credit. My only suggestion for improvement would be for credit karma to create a second arm of their company which sort of Tony Soprano grabs Equifax or Transunion and makes them an offer they can’t refuse to give me ten extra points to my score when I’ve gone months being well behaved with my credit! I need some muscle up in here! Weight thrown around, if you will, because my goal is 800! Credit Karma needs a Don to make this happen for me - the ‘say hello to my little friend’ department created in credit karma that gets me to excellent credit status. I dream big - but can we make that happen?! Guys? Anyone? Any mob movie fans in the company…?
  • Apr 21, 2022

    By SAM KIRK
    BEST way to keep tabs on your credit status with two of the three credit bureaus. Immediate notification if a credit inquiry is made on you. FASTER then a paid service I WAS using, and more accurate on details. Features also keep track of your car loans and mortgage loans. Keeps track of your car value also. Special offers from credit card companies, and promotional offers. Updates frequently with email notifications that something has changed in your report. Sometimes even daily changes.
  • Good way to track credit changes, with caveats Apr 9, 2021

    By Brianm523
    I’ve been using Credit Karma for at least 7-8 years now, and overall I’m very happy with how it shows my scores and keeps info up to date on my report. I was able to dispute a negative item through CK and have it removed, which gave my score a remarkable jump. I started with about a 580, and CK now shows me at 720. Now, the only downside is that CK uses the Vantagescore 3.0 model, while no lenders do. They all use FICO modeling, some are still using FICO 3 even though that model is from many years ago. This can make your score significantly different, sometimes higher, but usually lower. For example, when I bought my house back in 2016, CK showed me to be around 680. My actual FICO score used was closer to 620. That put me in a different interest rate bracket, so my payments were a little higher than expected. Fast forward to present day (April 2021) and while CK shows my score at 720, a recent Amex platinum card approval shows my score at 758. So, don’t go into Credit Karma thinking it’s the same score you will get from a lender that pulls your report, but use it as a tool to monitor your credit and manage your debt. It’s helped me in that regard, and I take the scores with a grain of salt understanding scoring models are different.
  • Jun 13, 2022

    By Shiela Jones
    I love Credit Karma, it shows me my credit progress anytime I want to check it. It also gives you tips on how to improve your score. It keeps track of your home value, mortgage payments, home equity. It keeps track of your car payments and value also. It alerts you to any changes so you will know if someone has opened, closed or charged on any of your accounts right away.
  • Earned 5 Star Review ⭐️⭐️⭐️⭐️⭐️ May 1, 2022

    By Emileed7411
    Absolutely worth the 5 star review for too many reasons to list here but one thing I will say for anyone just coming across Credit Karma or anyone just simply looking into joining Credit Karma, it’s 100 percent worth it in my opinion. I absolutely love everything about it and have not one bad thing to say about it. To say that it has helped me tremendously and guided me through the right steps to come a very long way in my credit journey! It’s very informative, helpful, and for the majority of my last 8-10 years spent on Credit Karma 99.8 percent accurate. I’ve had 1 instance of having exceptional approval rates and upon applying, I was in fact denied which did unfortunately lower my score quite a bit but only temporarily. Other than that, I’ve had nothing but positive experiences that I will forever be grateful to Credit Karma for playing such a huge role in! Without CK, I wouldn’t consider myself half as lucky to know even close to as much as what I do right now at my age about credit, credit scores and just how truly important credit overall actually is. Highly recommend this app and everything about it! Very helpful to me and I’m sure it could be just as helpful to anyone else who takes it seriously! My top credit app for sure!
  • Nothing to not like about this app Aug 3, 2021

    By steph0468
    When I started with credit karma 3 years ago I literally had no credit score. Ten years of zero revolving credit and I looked like a ghost to potential lenders. Now I have a score well above 700 with Transunion. Equifax is lower because I guess they still have me on side-eye status. I’ve paid attention to everything credit karma has suggested and stayed on top of my score with its help. I even created a new email after it alerted me to my old account being present on the dark web. It’s just a great app if your goal is to get a handle on your credit. My only suggestion for improvement would be for credit karma to create a second arm of their company which sort of Tony Soprano grabs Equifax or Transunion and makes them an offer they can’t refuse to give me ten extra points to my score when I’ve gone months being well behaved with my credit! I need some muscle up in here! Weight thrown around, if you will, because my goal is 800! Credit Karma needs a Don to make this happen for me - the ‘say hello to my little friend’ department created in credit karma that gets me to excellent credit status. I dream big - but can we make that happen?! Guys? Anyone? Any mob movie fans in the company…?
  • Apr 21, 2022

    By SAM KIRK
    BEST way to keep tabs on your credit status with two of the three credit bureaus. Immediate notification if a credit inquiry is made on you. FASTER then a paid service I WAS using, and more accurate on details. Features also keep track of your car loans and mortgage loans. Keeps track of your car value also. Special offers from credit card companies, and promotional offers. Updates frequently with email notifications that something has changed in your report. Sometimes even daily changes.
  • 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.
  • Jun 17, 2022

    By Charles William
    It's about time that TransUnion and Equifax got on the same page. Credit Karma helps to keep the stress down. This app is easy to navigate and no big words, lol. I like the brake down of numbers with examples on how you can improve your score. It's like your conscience, don't use your credit card and pay a little extra on the bills.
  • Credit karma is a must!! Mar 13, 2021

    By I just want to play geo wars
    I can’t say enough good things about credit karma. Having the accessibility and visibility to my credit report and associated factors allowed me to take control of my debt and actually get on top of my finances. Plain and simple. It’s extremely hard to understand your financial position without having the full picture in place, and credit karma provides that full picture in an easy and intuitive interface. When I first started using credit karma, my credit was in pretty bad shape. Credit karma taught me the impact that certain factors have on my credit and provided the guidance I needed to focus on the factors that have the most impact. I’m fortunate to say that my credit is excellent now and I’ve always recommended credit karma to friends and family that have expressed concerns about their own credit score. When my younger brother was thinking of buying a house to start his life with his family, he didn’t know where to start and had no credit to his name. I turned him on to credit karma and within a year he was able to establish enough credit to get approved for a mortgage loan. If you want to get serious about your credit score and need some guidance, credit karma is your friend!
  • 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.
  • Jun 9, 2022

    By Eola Clark
    there is a 20 point difference between both reporting agencies and it's not updated even monthly, very inconsistent! it's showing a balance on one of my cards that I paid in full a month ago and very behind on the reporting of my car payments. The scores aren't exactly accurate but it's enough to give a rough idea of what your score is
  • Jun 17, 2022

    By Richard Rice
    Credit scores bounce all over fast to lower you score, slow to raise your score. I have never missed a payment in my life but this is never reflected in my score. Have closed several accounts by early payoffs but again not reflected in my scores. If you want to follow your payments it's a good place to do so, but a slow place to do it.
  • Kent Butler May 29, 2022

    By 3-21 Review
    Seems like there is a too much time fluctuation in balances and also inconsistencies . If a person temporarily puts something on a card, it seems the scores go down immediately whereas if one pays the card down, it has to crawl back up the chart at a snail’s pace. Also, one has long term debts as well as credit card debts that affect one’s score. I’ve noticed one might pay a lot on a long term debt and affect his score very little in comparison as a credit card debt. Granted, more than likely, this debt is spread out over time, but if one pays off quicker, the score should follow quicker. I also, realize the situations I mentioned are more just passed along as the rating companies do as they want, but it still adds to or takes away from the working experience on CK’s site. Adding to the above review, which obviously doesn’t get read anyway, I have a card that I use that has no credit to it whatsoever— I get paid on this card and transfer money from it as I use it to purchase things as one would with cash. Anyway, my card information was compromised and I had to utilize “credit”cards until a new card was issued and the situation was addressed. Of course my score took another hit because that’s the way it works. It immediately goes down but takes forever to go back up even if the card is immediately repaid. Exactly, how can a person use a card and not get punished even if he pays off often?
  • Apr 25, 2022

    By Michael Byrd
    Always a couple days behind on your score even with "daily checks", so don't count on an accurate score from them. "More updates" is bogus too. Just leads to credit offers and loan offers. You're better off with monitoring programs directly affiliated with the credit bureaus and then you get the added advantage of being able to lock your credit files to prevent unauthorized credit checks, etc.
  • They never honor their promotions Mar 1, 2022

    By Swagby019
    This is the second time that I’ve done a promotion through Credit Karma that they said they would pay me some money as soon as I had completed it and once again I’ve had to call and talk to customer service they say they don’t even know what the promotion is I take a screenshot of it makes no sense as I did it through the app this promotion was letting them track you and you’re driving habits for a certain amount of time and instantly you get $25 and your spend account still haven’t seen that money and I keep asking for screenshots whoever takes a screenshot of a promotion that an app asked you to take part in? because you need proof later maybe for them but most apps just honor their promotions that one before that was a promotion that if I opened a checking account and savings account and funded a dollar in each I get $25 in my account I had to fight tooth and nail for that they told me the same things we don’t recognize promotion we need screenshots and finally because I hassle them so much they actually did what they said they were going to do and gave me the money to be another negative is there odds for credit approval they’re promoting upgrade for a while which would just turn 1 million people down after being preapproved and all the outstanding yards end up dinging your credit report get it together credit Karma
  • Apr 8, 2022

    By SparkYouLikeAFlint
    I liked the app till recently. Out of no where it showed a -123 on one of my scores and I panicked. I know the scores aren't the actual scores but I was wondering what could have caused that big of a drop when I haven't missed any of my bills. Ended up buying the real reports from all 3 bureaus and it turned out there was no steep drop at all. If you are gonna use this app pay no attention to the score at all. Just use it as a free way to somewhat monitor your identity.
  • Apr 7, 2022

    By Joshua Arnold
    All this app is good for now is selling you credit cards and showing your score. You used to be able to see all your accounts... now it's impossible to find anything. Undo your changes.. it used to be extremely easy to get the information I wanted just by scrolling down my "home page".... not anymore, it's not even listed, nor is there a drop down available for it...
  • Apr 22, 2022

    By Ryan Byrd
    For most things other than credit I think this app can be extremely useful. When I started using the app to help get my credit on track I did think it was awesome. Now, I am extremely disappointed in CK's ability to reflect credit information. Upon credit pull my points reflected were a staggering 44 points lower than CK's acknowledgement. I will not be utilizing this app anymore.I find it hilarious that we cannot just use a "Real" accurate FICO model. This hurts any better pricing for housing.
  • Can't login and crashes when trying to reset password May 18, 2022

    By Matt the Engineer
    I love the phone app. Unfortunately the MacOS version does not allow me to login. I originally thought I may have forgotten my password and tried to reset it through the app. The app crashes the moment you click into the text box to enter your email in order to receive a password reset link. I tried twice and it crashed instantly both times. Lastly, it turns out I didn't forget my password. It works fine when logging in on my iPhone. I hope you all can fix this, I was excited when I saw the app was available for downlaod on my MacBook and look forward to these issues being resolved. I gave the app an extra star solely because I appreciate that they inform you that the solutions they recommend are partners of theirs. I really appreciate a company that's honest and upfront about this. They even put it at the top of the page, not hidden in small text somewhere you can't find it. Because of this, I have given the app an extra star even though it's unusable on Macboook at the moment. I know it doesn't make much sense and they have legally inform us, but you'd be surprised how many apps, content creators, etc. choose not to inform their users/audience anyways. Take an extra star for honesty! :) You'll get 3 more when the app is fixed.
  • May 20, 2022

    By Brittany Noyes
    Not impressed with how rapidly the APY changes. At one point it went to .17. That's crazy lower than what even my bank offers. Dropped your savings and went to Chime. They have had a consistent APY for at least 2 years. Also, the get your money back on purchases on a spend account...I have used it over 60 times in the last year and got nothing back. Looking at current "winners" most are a few dollars. I won't use mine for anything under $100 and it shows how you only reward minimal purchases.
  • Feb 20, 2022

    By Tom O'Halloran
    Unfortunately these scores are very 'optimistic' when compared to what creditors typically pull such as, in my instance, for a car loan. I don't know why one's credit score has to be such an enigma. It's most embarrassing to go somewhere thinking your score is better and then get turned down because it's much lower than you thought. It would really save everyone a lot of wasted time if accurate information were more freely available from the start.
  • img Community
    Trying to fix a bad credit score feels like a hole with no end since you don't know where to start. If you feel clueless, Credit Karma provides some solid advice so you don't feel as if lost in a credit jungle.
    img by Antonio
    3 years ago
  • img Community
    In 2021, with so much fraud and problems with your identity being stolen, monitoring your credit is even more important. My husband and I both use this app and have found it to be very helpful.
    img by Aubrey
    1 year ago
  • img Community
    The difference between a 600 and a 700 credit score could cost you your dream apartment. Monitor your credit score closely from your phone to find out how to raise your credit score in preparation for your big move.
    img by Sharon
    1 year ago
  • img Expert Best Credit Score Monitoring Apps 2022

    Best Credit Score Monitoring Apps 2022

    Whether you're trying to improve your credit or are worried about identity theft, credit monitoring apps can improve your financial health and give you peace of mind. We tried nine to find the best.

  • img Expert
    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
  • Good way to track credit changes, with caveats Apr 9, 2021

    By Brianm523
    I’ve been using Credit Karma for at least 7-8 years now, and overall I’m very happy with how it shows my scores and keeps info up to date on my report. I was able to dispute a negative item through CK and have it removed, which gave my score a remarkable jump. I started with about a 580, and CK now shows me at 720. Now, the only downside is that CK uses the Vantagescore 3.0 model, while no lenders do. They all use FICO modeling, some are still using FICO 3 even though that model is from many years ago. This can make your score significantly different, sometimes higher, but usually lower. For example, when I bought my house back in 2016, CK showed me to be around 680. My actual FICO score used was closer to 620. That put me in a different interest rate bracket, so my payments were a little higher than expected. Fast forward to present day (April 2021) and while CK shows my score at 720, a recent Amex platinum card approval shows my score at 758. So, don’t go into Credit Karma thinking it’s the same score you will get from a lender that pulls your report, but use it as a tool to monitor your credit and manage your debt. It’s helped me in that regard, and I take the scores with a grain of salt understanding scoring models are different.
  • Jun 13, 2022

    By Shiela Jones
    I love Credit Karma, it shows me my credit progress anytime I want to check it. It also gives you tips on how to improve your score. It keeps track of your home value, mortgage payments, home equity. It keeps track of your car payments and value also. It alerts you to any changes so you will know if someone has opened, closed or charged on any of your accounts right away.
  • Earned 5 Star Review ⭐️⭐️⭐️⭐️⭐️ May 1, 2022

    By Emileed7411
    Absolutely worth the 5 star review for too many reasons to list here but one thing I will say for anyone just coming across Credit Karma or anyone just simply looking into joining Credit Karma, it’s 100 percent worth it in my opinion. I absolutely love everything about it and have not one bad thing to say about it. To say that it has helped me tremendously and guided me through the right steps to come a very long way in my credit journey! It’s very informative, helpful, and for the majority of my last 8-10 years spent on Credit Karma 99.8 percent accurate. I’ve had 1 instance of having exceptional approval rates and upon applying, I was in fact denied which did unfortunately lower my score quite a bit but only temporarily. Other than that, I’ve had nothing but positive experiences that I will forever be grateful to Credit Karma for playing such a huge role in! Without CK, I wouldn’t consider myself half as lucky to know even close to as much as what I do right now at my age about credit, credit scores and just how truly important credit overall actually is. Highly recommend this app and everything about it! Very helpful to me and I’m sure it could be just as helpful to anyone else who takes it seriously! My top credit app for sure!
  • Nothing to not like about this app Aug 3, 2021

    By steph0468
    When I started with credit karma 3 years ago I literally had no credit score. Ten years of zero revolving credit and I looked like a ghost to potential lenders. Now I have a score well above 700 with Transunion. Equifax is lower because I guess they still have me on side-eye status. I’ve paid attention to everything credit karma has suggested and stayed on top of my score with its help. I even created a new email after it alerted me to my old account being present on the dark web. It’s just a great app if your goal is to get a handle on your credit. My only suggestion for improvement would be for credit karma to create a second arm of their company which sort of Tony Soprano grabs Equifax or Transunion and makes them an offer they can’t refuse to give me ten extra points to my score when I’ve gone months being well behaved with my credit! I need some muscle up in here! Weight thrown around, if you will, because my goal is 800! Credit Karma needs a Don to make this happen for me - the ‘say hello to my little friend’ department created in credit karma that gets me to excellent credit status. I dream big - but can we make that happen?! Guys? Anyone? Any mob movie fans in the company…?
  • Apr 21, 2022

    By SAM KIRK
    BEST way to keep tabs on your credit status with two of the three credit bureaus. Immediate notification if a credit inquiry is made on you. FASTER then a paid service I WAS using, and more accurate on details. Features also keep track of your car loans and mortgage loans. Keeps track of your car value also. Special offers from credit card companies, and promotional offers. Updates frequently with email notifications that something has changed in your report. Sometimes even daily changes.
  • Jun 17, 2022

    By Charles William
    It's about time that TransUnion and Equifax got on the same page. Credit Karma helps to keep the stress down. This app is easy to navigate and no big words, lol. I like the brake down of numbers with examples on how you can improve your score. It's like your conscience, don't use your credit card and pay a little extra on the bills.
  • Credit karma is a must!! Mar 13, 2021

    By I just want to play geo wars
    I can’t say enough good things about credit karma. Having the accessibility and visibility to my credit report and associated factors allowed me to take control of my debt and actually get on top of my finances. Plain and simple. It’s extremely hard to understand your financial position without having the full picture in place, and credit karma provides that full picture in an easy and intuitive interface. When I first started using credit karma, my credit was in pretty bad shape. Credit karma taught me the impact that certain factors have on my credit and provided the guidance I needed to focus on the factors that have the most impact. I’m fortunate to say that my credit is excellent now and I’ve always recommended credit karma to friends and family that have expressed concerns about their own credit score. When my younger brother was thinking of buying a house to start his life with his family, he didn’t know where to start and had no credit to his name. I turned him on to credit karma and within a year he was able to establish enough credit to get approved for a mortgage loan. If you want to get serious about your credit score and need some guidance, credit karma is your friend!
  • 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.
  • May 22, 2022

    By Rahman Khan
    The app is and really convenient. I haven't experienced any issues with any bugs or the app crashing on me. There doesn't seem to be a hundred updates released every month nor do I feel like its needed. The layout is simple and the recommendations are not too pushy. Overall I have been using the app for probably close to a year (maybe more) and I think its a great app to review your score
  • Complete game changer ! Aug 13, 2018

    By Credit Karma Fan!
    I received a nice amount of money from my father Christmas, and I had credit card balances all over the place! My boss loves credit karma and told me to check it out. This is the most amazing, amazing app I have ever come across in my entire life. Not only did it help me get my balances lower, by showing me my credit score report. The simulator showing if you pay certain cards down what your score will be is honestly a life-changing component. It also help me find unclaimed money without me even asking, and then I was able to get a point added on to fix my credit score. If you’re looking for a car, a home or personal loan credit karma is truly your best friend! I could not live without this amazing app. The fact that it is free is incredible! Do yourself a favor and all your friends and download the app it will truly be a game changer in your credit and credit card personal loan car loan history well done guys well done! Oh one last thing, the positive emoji‘s and telling you great job is really exciting even at my age! Get credit karma now! Thanks guys. Make sure you check your score with a different source tho , because my score was way lower with credit karma than it should have been.
  • 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.
  • A Really Wonderful and Robust App Jun 2, 2022

    By Peno.1
    I mean honestly, Credit Karma is the perfect financial tool for everyone, whether you’re just opening your first bank account or you’re a vet that just needs a quick glance at your current credit health. Pros: -Check your credit for free -Get an extensive yet easy-to-follow look at your credit health and the things affecting it, both positively and negatively. -Get helpful suggestions for increasing your credit -Equally helpful credit card, personal, home, and auto loan recommendations -You can do your taxes for free or for a small fee depending on your fiscal situation -You can open a checking and savings account for free. These accounts have no fees. -Amazing interface/UI -MANY bells and whistles, incentives, etc. The only suggestion to improve this app I have is that in the banking section, you show the new balance after each transaction in the activity tab; that is, when a debit or credit is made to the account, you show that along with the new balance it creates right under it. Take an example from the BofA and AMEX apps. It’s more transparent and helps to manage budgeting and such. Credit Karma is one of the few apps that does it all AND does it all really well. Thank you!
  • Jan 18, 2022

    By Lynette Hammond
    I love this App!! If you want to improve your Credit Score this app is very helpful. I've continually improved my credit score over the past three years. I love everything about this App. They have personal recommendations tailored just for you, using your credit history. They will suggest credit cards that can help you rebuild your credit or establish new credit showing the likelihood of your approval odds for each card they list. TRY IT & SEE!! Thanx for all the help and guidance.
  • 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!
  • Pay off creditors from in-app; add a feature to figure out which score apply when Apr 1, 2018

    By Burning Vanithee
    You show the Collection Agencies & amounts, but not the phone number and/or a direct link to pay that creditor off. It’d be very helpful to include to phone number & the Collection Agency acct # so users can more quickly pay off & remove from credit the negative-aka; not in good standing-accounts. Also, as the two scores are different & the 113 point difference is making it hard for me to know what scores are used for what things. For example, my credit card uses CreditWise, which matches the lower score on the left side screen, not the high score on the Right side of screen. If I want to get a lease or mortgage, which is used? Are my credit card options based on the lower score? And how do I get a lower APR% recommendations? Maybe you could add an in-app purchase of one’s FICO score or at least add mortgages, loans, & a way to make sure the student loans you don’t have to pay aren’t held against you, making it look like you have more credit debt that you actually have to pay-even if they are in good standing.
  • App Updated Error logging in Now Mar 26, 2022

    By riseupchamps
    I received an error logging into my app stating that I needed to update the app. I updated the app and still received the error. I deleted and re-installed the app, restarted my iphone 12, disabled my vpn and still received an error that I needed to update the app, of which I already did. I also tried to login to the website and received an error to try back later. The app support link takes you to a list of articles that are unrelated to the issue. There’s no way that i could see to submit a support ticket to resolve. I like the app before the required app update that caused issues logging in. I’m not sure if Credit Karma is having server issues, bit the only way that i can speak to someone now is to call the number on the back of my Credit Karma spending account. Thank goodness I got one, otherwise I couldn’t at least see what my balance is. Hopefully the developers will have some feedback here and/ or resolve the issues.
  • Fantastic App, Misleading Algorithms Feb 2, 2021

    By ThomasT626
    I’ve been using Credit Karma for a while now and it’s been a great app to keep up on my scores and provide me with all sorts of different options for everything from credit cards and my approval odds for them, to car shopping, mortgages, personal loans, etc. as well as a bunch of helpful information on how to further improve my score. The only reason I’m giving it 4 stars and not 5 is because I just bought a used car a few weeks ago thinking my Transunion score was 701 and my Equifax score 715 due to what CK was showing. However the salesman came back and showed my score to be around 660 (might’ve been 657 exactly from Equifax if I remember right), so the deal wasn’t as good as I had hoped for. So I asked the manager why this was and he said he gets this question all the time and he told me it’s because CK uses “older” / faulty algorithms that aren’t fully up to date, resulting in scores that are higher than what they truly are. I still bought the car, although I wish I would’ve waited a little longer for my actual scores to hit 700+ resulting in lower interest rates. If it weren’t for this rather large discrepancy between CK scores and actual scores, this would be a 5 star app easily. I’d like to hear CK’s explanation for this, but in the meantime I’ll continue to use the app. Just be aware that if you do too, that your scores could possibly be inflated by a pretty good margin. Thanks for reading. - T.J.
  • Jun 9, 2022

    By Eola Clark
    there is a 20 point difference between both reporting agencies and it's not updated even monthly, very inconsistent! it's showing a balance on one of my cards that I paid in full a month ago and very behind on the reporting of my car payments. The scores aren't exactly accurate but it's enough to give a rough idea of what your score is
  • Jun 3, 2022

    By Patrick Lee
    not bad I guess... only shows 2 reporting agencies...and not the one that apparently matters most... lots of fluff... stuff I hardly ever use... and, not necessarily the apps fault... but... my scores haven't changed in probably close to 2 months... before that, every time the wind would blow, my score would change... it's more of a game than anything... trying to get that high score...
  • Mar 17, 2022

    By JDublez GemStarr
    The app is pretty cool to give you an idea of what's on with your credit but it's not accurate. it's interesting to me that when I pay things down (which may not have to deal directly with the app but maybe just the credit reporting system) it takes over a month to update, but let me do a hard inquiry and it updates to take away points within minutes!!! The app had a lot of solicitations for other credit borrowing and loan options. Overall decent for tracking what'd going on with your credit.
  • Recommendations are crap Jul 6, 2021

    By smiller816
    Good for keeping track of your credit report, but the recommendations they give you are absolute rubbish. They recommend cards I already have. Other times they tell me I have no chance of getting cards I am constantly preapproved and prequalified for. They also recommend cards I can’t get prequalified for. Not sure why they continue to recommend credit one and first progress despite the fact that I have nearly 700 score. They need to have a way where we can set preferences. I’m tired of getting recommendations that I will absolutely never ever ever ever ever ever ever ever ever ever ever use. It wouldn’t matter if my credit score were 430! I would never use credit one or first progress or Merrick bank. I understand that they make recommendations based off of who sponsors their site, but you would think they would have the smallest amount of integrity in their recommendations since they claim to help people rebuild their credit. I would never recommend any of those places. So many fees, no grace periods, the list goes on. Please allow us to set preferences for our recommendations because I’m tired of getting them for cards I will never use.
  • 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!!!
  • New app version changes are awful! Nov 4, 2021

    By IneffableSquirrel
    I have used Credit Karma for many many years and enjoyed knowing where my credit cards and student loans etc were as well as having a general picture of where my credit score is. But this recent update is horrible! They took away all the easy to read, colorful charts and intuitive organization of the credit area of the app. I used to check it daily/weekly to keep track of when my credit accounts would update, where my utilization was etc, but now you can’t see all the info for every account at once nor the overall helpful chart that used to be at the top of the page. Instead you have to click into every account to see anything about them. Plus they still look away the charts and graphs! They have somehow decided that the convenience and intuitiveness of their app is less important with this recent update. I’m disappointed. I hope they bring all that back in future updates because I definitely won’t be using the app as much going forward because it’s no longer as convenient or helpful. :(
  • Personal Loan Apr 20, 2019

    By Snowflake1122
    I have to comment on the one thing that CK advised me to do: I was pre-recommended for a personal Loan by AVANT (WebBank) and so I applied, I was asked for all my information down to the financial process; I asked them why was so much information needed if I wasn’t sure about the decision if AVANT was going to approve the loan? Avant said “the requested information is only asked if a personal Loan is ALREADY APPROVED”. So I completed all my information that was requested and I waited, one day passed, I waited, 2 days passed. On the 3rd day I called AVANT to inquire about my application and what day was the deposit going to be, and after all the phone calls and faxed information they told me I would receive a email stating there decision. I asked them what happened with all my information I submitted and why was I told that only this much information was requested because I was approved for my loan? They said again you will receive an email stating the details. I NEVER RECEIVED A EMAIL with any information of my denial. KC please investigate this company and remove them from your website before anyone else gets shafted. N C
  • Inaccurate information Aug 13, 2019

    By russell_314
    It's an okay app to monitor your credit but the score in the app is not your actual credit score from the credit reporting agency sent to creditors when you apply for credit. I found the app shows my score to be about 50 to 70 points higher than it actually is. That's a huge difference. I called Transunion and they said while a credit report is free the only way to get your real FICO credit score is to pay them for it. They said they do not give this information to Crédit Karma. Credit Karma uses a formula to calculate a score but it's not accurate. The problem is when it says you have 650 credit score you apply for a card and get denied because you actually have 580. Not only do you get rejected for the credit you should have gotten with your 650 credit score you thought you had but your score goes down even further because of the hard inquiry. Bottom line it's a fun app and informative but just trust the information fully. Get your actual credit reports from credit reporting agencies.
  • Accuracy of Credit Karma Aug 10, 2020

    By Knicols2020
    I’ve enjoyed having credit karma when I want to take a quick glance at my credit score ; it gives me an idea of what my balances are for my various accounts (personal credit card, mortgage, car loan). However, I recently went to refinance my home and my credit score that came up for the three bureaus was significantly lower than what is stated in my credit scores with credit karma. Since your credit score Gravely impacts your ability to get the best interest rate, this was a bit disconcerting. And with a discrepancy of over 30 points between my actual credit report being used for the refi and credit karma's calculation, the rate I’m able to get is quite different. I wish Credit karma was more accurate with its credit scores .... just be aware, your scores through credit karma are more realistic if you are looking to purchase a car or buy furniture. If you’re doing something house related you’ll need to get an accurate score from your lender.
  • Kent Butler May 29, 2022

    By 3-21 Review
    Seems like there is a too much time fluctuation in balances and also inconsistencies . If a person temporarily puts something on a card, it seems the scores go down immediately whereas if one pays the card down, it has to crawl back up the chart at a snail’s pace. Also, one has long term debts as well as credit card debts that affect one’s score. I’ve noticed one might pay a lot on a long term debt and affect his score very little in comparison as a credit card debt. Granted, more than likely, this debt is spread out over time, but if one pays off quicker, the score should follow quicker. I also, realize the situations I mentioned are more just passed along as the rating companies do as they want, but it still adds to or takes away from the working experience on CK’s site. Adding to the above review, which obviously doesn’t get read anyway, I have a card that I use that has no credit to it whatsoever— I get paid on this card and transfer money from it as I use it to purchase things as one would with cash. Anyway, my card information was compromised and I had to utilize “credit”cards until a new card was issued and the situation was addressed. Of course my score took another hit because that’s the way it works. It immediately goes down but takes forever to go back up even if the card is immediately repaid. Exactly, how can a person use a card and not get punished even if he pays off often?
  • They never honor their promotions Mar 1, 2022

    By Swagby019
    This is the second time that I’ve done a promotion through Credit Karma that they said they would pay me some money as soon as I had completed it and once again I’ve had to call and talk to customer service they say they don’t even know what the promotion is I take a screenshot of it makes no sense as I did it through the app this promotion was letting them track you and you’re driving habits for a certain amount of time and instantly you get $25 and your spend account still haven’t seen that money and I keep asking for screenshots whoever takes a screenshot of a promotion that an app asked you to take part in? because you need proof later maybe for them but most apps just honor their promotions that one before that was a promotion that if I opened a checking account and savings account and funded a dollar in each I get $25 in my account I had to fight tooth and nail for that they told me the same things we don’t recognize promotion we need screenshots and finally because I hassle them so much they actually did what they said they were going to do and gave me the money to be another negative is there odds for credit approval they’re promoting upgrade for a while which would just turn 1 million people down after being preapproved and all the outstanding yards end up dinging your credit report get it together credit Karma
  • Can't login and crashes when trying to reset password May 18, 2022

    By Matt the Engineer
    I love the phone app. Unfortunately the MacOS version does not allow me to login. I originally thought I may have forgotten my password and tried to reset it through the app. The app crashes the moment you click into the text box to enter your email in order to receive a password reset link. I tried twice and it crashed instantly both times. Lastly, it turns out I didn't forget my password. It works fine when logging in on my iPhone. I hope you all can fix this, I was excited when I saw the app was available for downlaod on my MacBook and look forward to these issues being resolved. I gave the app an extra star solely because I appreciate that they inform you that the solutions they recommend are partners of theirs. I really appreciate a company that's honest and upfront about this. They even put it at the top of the page, not hidden in small text somewhere you can't find it. Because of this, I have given the app an extra star even though it's unusable on Macboook at the moment. I know it doesn't make much sense and they have legally inform us, but you'd be surprised how many apps, content creators, etc. choose not to inform their users/audience anyways. Take an extra star for honesty! :) You'll get 3 more when the app is fixed.
  • May 20, 2022

    By Brittany Noyes
    Not impressed with how rapidly the APY changes. At one point it went to .17. That's crazy lower than what even my bank offers. Dropped your savings and went to Chime. They have had a consistent APY for at least 2 years. Also, the get your money back on purchases on a spend account...I have used it over 60 times in the last year and got nothing back. Looking at current "winners" most are a few dollars. I won't use mine for anything under $100 and it shows how you only reward minimal purchases.
  • Feb 20, 2022

    By Tom O'Halloran
    Unfortunately these scores are very 'optimistic' when compared to what creditors typically pull such as, in my instance, for a car loan. I don't know why one's credit score has to be such an enigma. It's most embarrassing to go somewhere thinking your score is better and then get turned down because it's much lower than you thought. It would really save everyone a lot of wasted time if accurate information were more freely available from the start.
  • 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.
  • Was great, now meh. Sep 23, 2021

    By A Zitting
    I have used and use several credit reporting sites. I used to love Credit Karma because the layout and detail of the information was beautiful and easy to understand (comparatively speaking). However, they recently updated and changed the layout and it’s horrible. While the information is still there it is now in a sea of black text on a white background that just turns into a blur, not to mention it takes a lot of scrolling through the dribble to find what you want. It used to be all neatly presented with colored bars to indicate where you were at, and neatly visible right when you loaded the page. I don’t know why, but they took a huge step backwards and are now little if any better then the myriad other credit checking sites out there. Worse than some because they use vantage score instead of FICO. That used to not bother me because it still gave you the trajectory of your score and a valid comparison of where you are vs where you were, but presented cleanly and beautifully. They lost that part now. It’s sad and seems an unforced error, but whatever. For raw data there are better sites out there.
  • Used to love CK Dec 13, 2018

    By Thekleproject.com
    But recently the app has been very buggy and freezes all the time. Somewhat better today after the update but not what is used to be. All of that aside, I think CK could potentially provide a great service. The downfall with CK is that the scores you get are built on the information they collect from TU & EQ using their own algorithm. It’s not generally going to be the same score as you would get from those sites directly. Sadly, worse than that is the EX issue. My FICO is completely different than my scores on CK (Again, because they have their own scoring model). I get that Experian has their own credit products and that’s probably why they don’t share their data with CK. However, CK should really negotiate a way to include EX scores to provide a better snapshot of where on truly is. I’ve applied for numerous cards on here that said I had good or very good approval chances, like everyone else, but got denied because the lender only cares about FICO. Yet other times I got approved for cards where I had poor odds lol. I’ll continue to use CK only because as my CK scores go up, my FICO tends to go up also. However, don’t waste your time building on CK. Build on Experians site.
  • Bad customer service Apr 13, 2022

    By Carmenbitzer01
    My brother had his taxes put on a credit Karma card and that card never arrived so he used the app to get a new card sent. A few weeks later the card arrived and he tried to activate it using the app. Well the app said contact customer service. We contacted customer service and the man that answered the phone had a thick accent and couldn’t understand us. He then kept referring my brother to the app. Then the man locked the new card. Then in broken English referred us to the app again. We hung up and went back to the app and that’s when we realized he locked the new card. We called back and yet another representative answered with a thick accent. They told us that new card would be mailed to us, apparently they can’t unlock it after they lock it. Mean while he has no access to his money. My brother just decided to transfer all of his money out of the account and say forget it. That took several days but it was better then waiting weeks for a card that won’t activate. The language barrier is a huge problem with customer service and you are losing customers.
  • Jun 17, 2022

    By Richard Rice
    Credit scores bounce all over fast to lower you score, slow to raise your score. I have never missed a payment in my life but this is never reflected in my score. Have closed several accounts by early payoffs but again not reflected in my scores. If you want to follow your payments it's a good place to do so, but a slow place to do it.
  • Apr 25, 2022

    By Michael Byrd
    Always a couple days behind on your score even with "daily checks", so don't count on an accurate score from them. "More updates" is bogus too. Just leads to credit offers and loan offers. You're better off with monitoring programs directly affiliated with the credit bureaus and then you get the added advantage of being able to lock your credit files to prevent unauthorized credit checks, etc.
  • Apr 8, 2022

    By SparkYouLikeAFlint
    I liked the app till recently. Out of no where it showed a -123 on one of my scores and I panicked. I know the scores aren't the actual scores but I was wondering what could have caused that big of a drop when I haven't missed any of my bills. Ended up buying the real reports from all 3 bureaus and it turned out there was no steep drop at all. If you are gonna use this app pay no attention to the score at all. Just use it as a free way to somewhat monitor your identity.
  • Apr 7, 2022

    By Joshua Arnold
    All this app is good for now is selling you credit cards and showing your score. You used to be able to see all your accounts... now it's impossible to find anything. Undo your changes.. it used to be extremely easy to get the information I wanted just by scrolling down my "home page".... not anymore, it's not even listed, nor is there a drop down available for it...
  • Apr 22, 2022

    By Ryan Byrd
    For most things other than credit I think this app can be extremely useful. When I started using the app to help get my credit on track I did think it was awesome. Now, I am extremely disappointed in CK's ability to reflect credit information. Upon credit pull my points reflected were a staggering 44 points lower than CK's acknowledgement. I will not be utilizing this app anymore.I find it hilarious that we cannot just use a "Real" accurate FICO model. This hurts any better pricing for housing.
  • IF 0 STARS WAS AN OPTION Dec 10, 2021

    By Tyragettys
    So first of all you guys are promoting $100 promotion if you set up “direct deposit”… I did that a week before my new payroll started to ENSURE that I would get paid up to “2 days early” but WHY DOES IT TAKE UP TO 2 pay cycles to go by to even get enrolled into the “early pay”..???? NOW IT IS FRIDAY DECEMBER 10 and I STILL HAVE NOT RECEIVED MY MONEY. I CAN CLEARLY SEE WHERE MY JOB HAS TRIED TO DEPOSIT THE MONEY ON DECEMBER 7, 2021 in the amount of $0 to make sure they account was “real” said by one of your supervisors named Shine. Then advised me to talk to my job about getting a paper check instead of direct deposit.. I HAVE NEVER GOTTEN A PAPER CHECK FROM THIS EMPLOYER BECAUSE THEY DO NOT DO THAT… They want you to email them instead of actually speaking on the phone and they just say what they want and HANG UP ON YOU. This is so unprofessional I could have kept my regular Current account or Chime account set up if I would have known all this TROUBLE WOULD OCCUR!!!! I will NEVER USE THIS APP FOR ANYTHING EVER AGAIN. I JUST WANT MY MONEY AND $100 promo that was promised for setting this DIRECT DEPOSIT up!!!! I do not recommend setting up anything with “CREDIT KARMA” also you have so many other reviews where people are having similar issues with your banking system. You guys do all of this promoting but CANT EVEN HOLD YOUR END OF IT! I WANT MY MONEY TODAY.
  • Hacked Into My Passwords Security Breach Jan 7, 2021

    By Babower
    Do not apply for home refinance using Crdit Karma app. I was checking for rates and clicked submit which was sent to Cardinal Financial. Next thing I received calls from Cardinal Financials wanting me to lock in their rate when I’m rate shopping as everyone does. But the rep from Cardinal Financial was somewhat aggressive. First of all, I would not lock in rate to submit my application as I want the best rate for me. And you would do the same. Credit Karma seems to a sales app selling loan products. Just be aware. Always use other apps to check your credit score. And never apply for a loan product on this app. I received a developer response from Credit Karma via email from Apple today. The email came with a link. It said that Credit Karma developer response would like to hear about my experience with Cardinal Financial. After I clicked on the link, the link took me to Credit Karma web page and then exposed list of passwords list on my phone. On the phone password page, it showed passwords compromised. And my IPhone immediately alerted me of security breach of my passwords. So I immediately deleted my passwords. Cannot and do not use Credit Karma again. I’m going to submit complaint to Apple and Government for Credit Karma’s security hacking email link.
  • Credit Karma Save Account Sep 13, 2021

    By yourdadjustcallsmejeborah
    Everything is lovely and intuitive up until the point of having to navigate the save account. Although easy to use it has many hidden features that hinder one who needs to withdrawal quickly. A deposit takes up to a week to fully transfer; however, once transferred you still cannot touch your own money for at least 2 to 3 business days. It is said to be a feature to help mitigate fraudulence; however, it seems like a thinly veiled way to operate much like any other bank where they have promised money to many other people in the pool and don’t have my requested money for an extended amount of time because it is being used elsewhere, thus I have to wait for my own money to come back to me for use. I started the save account in order to budget better but because of Covid and the financial hardships that have fallen on me and many others, I need to access my money instantaneously without the barrier of weeks to wait that many of us are not afforded the luxury of. Living paycheck to paycheck is not glamorous and not something that should be the shared experience of most Americans, I especially do not appreciate Credit Karma hindering our finances by taking these shortcuts. Zero stars.
  • Don’t bother Aug 14, 2021

    By topher_1992
    What is the point of disputing a charge & requesting a new debit card if they are going to flag the purchases you try to make with it & suspend your card for no reason….. now they are holding my money hostage after sending not one, but TWO new debit cards in the mail, the first of which is completely useless. Takes 7-15 business to receive a new card in the mail so my money is literally being held hostage for one to two weeks for absolutely no reason. Can’t pay bills, can’t buy gas or any of the other things I need to survive. Couldn’t pick up my car from the mechanic because this wretched company suspended my card over a transaction they randomly deemed “suspicious” for no logical reason. I disputed ONE charge of $91 and now I can’t do anything with my own money for the next one to two weeks… oh yeah and my direct deposits from work are not showing up so that’s awesome 👍🏼 did I also mention that I’m a single mom in serious need of this money and all that I’ve been told by customer service is to link an external bank account or wait for my card in the mail. Please don’t bother opening an account with credit karma, do yourself a favor and save the frustration.
  • Very disappointed. Bring back Turbo please. Apr 7, 2021

    By sherribeary4
    I miss Turbo, it was much more organized and user-friendly and didn’t bombard you constantly with a ridiculous amount of useless ads/ offers/ notifications. Credit Karma is a nightmare to navigate. I just want to see my credit score, my credit factors, and my credit timeline; I don’t understand why it has to be so unnecessarily difficult just to find those in any sort of reasonably organized place. They’re impossible to find/ keep track of on their own, let alone while sifting through all of the “offers” and “notifications” and “updates” that I don’t even care about. The sheer amount of unnecessary information that bombards you as soon as you open the app is enough to send anyone into a panic attack from sensory overload. Even with all of this, there ends up being less actually useful functionality than there was on Turbo. There isn’t even a way to set goals (that I’ve found at least) and track them like on Turbo (for example, a credit goal or a savings goal). I am very disappointed, I wish Turbo hadn’t sold out to this company. I tried Mint as well, but it’s not much better. Please bring back Turbo.

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