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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 4M+ Reviews 10M+ Downloads
Featured on Top Apps for Fixing a Bad Credit Score

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
3.8M+ Ratings
  1. 5
    88%
  2. 4
    8%
  3. 3
    2%
  4. 2
    1%
  5. 1
    2%
  • Oct 21, 2020

    By Jonathan P-Boi
    Good app, but this latest update sucks. I don't like the new UI, and it feels slower now. And one thing that's been bugging me forever, when you open the app and it displays where you enter your pin, raise all the numbers up. It's way too low. But the in app UI sucks now. Change it back please. It was easier on the eyes before and easier to read
    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
  • 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
  • Oct 14, 2020

    By Jay Kay
    I lost the password to an email I previously used and threw a couple of emails back and forth with credit karma it got resolved rather quickly and surprisingly, credit karma is great and pretty accurate in my eyes at the click of a button I can see my credit score and everything in my credit report accurately to the date! Thanks credit karma!!
    more
  • Free credit score! Plus tips to Better It Feb 18, 2020

    By Idiadia
    I had been paying for my credit score through experian until someone else told me i could get them for freeeeee. I canceled my experian and just kept credit karma. I have been working hard to better my score and honestly credit karma has help. The showed options of cards and the chances that i would be approve if i applied. I took their advice and was accepted now i just read all tips that pop that can help me get a higher score. I started off at 520, had 480 when i first started on Experian. Im currently at 684 and ive only had credit karma for 3 months. Honestly if anyone is wanting their score for free. Go to credit karma. Also just a note experian would show me all 3 bureaus that gave me my scores but kredit karma only shows transunio and equifax. On experian they also have the boost option where you can litterally raise your score by reporting on time utlity bills, phones bills and bank account. Also your fico score on experian. Overall really happy with the change. They can also give reminders on your cara registration. If you plan to buy a house what you must do...etc a lot of information that everyone should know
    more
  • Oct 23, 2020

    By Dustin Reuter
    I thought this was a good site/app till I realized that they use vantage score which almost NO LENDER USES!!! Credit karma shows your scores and give you options with approval odds but those lenders prefer fico scores so the odds of approval are not at all correct. My actual transunion score was 24 points less than what credit karma said it was. My equifax was 55 points less. If you get credit scores from the credit bureaus, why don't you show the actual numbers they have??? Garbage!!!
    more
  • Oct 23, 2020

    By Cassandra Curry
    I've been using this app for years and it was great The last update sucks every time I go to login there's an issue saying that it's not my password which it is and then I go to reset it and it still sucks. Then I try to add my password and everything. And then a new screen comes up add the last four of your social so I do that and then it says oh we do not support this action so why are you even asking me to do it if you don't support the action please fix this
    more
  • Oct 20, 2020

    By N R
    Where did the icons at the top go? Before, I could click on 1 icon to see the total of all my accts, then click down to get more details on each acct. Now, I can't find acct totals. Also, before the update, I was able to simulate score changes if I paid off an account. I don't see that feature anywhere on the app. Are these features still available?? If not, please bring them back! I don't want to click 3/4 different areas to find info that was on the Home screen before the update. Thx
    more
  • Oct 17, 2020

    By Scott Fernandez
    I tried signing up for this thing out of obligation and I couldn't even get past the registration. It kept telling me something in my information was wrong, but failed to identify what it was. After double checking multiple times, it still wouldn't let me finish signing up. If an app is going to block you from signing up because of lacking information, it should also have the ability to identify what you're missing.
    more
  • Oct 17, 2020

    By Paul Belding
    This APP is garbage when it comes to accessing your account. I lost access to an email that I haven't used in years. Now I am locked out of my account. It will not text me an access code, and customer service is worthless. I have tried and tried to get access back, and customer service just gives me the run around. I am not going to waste my time with this APP anymore, and neither should anyone else.
    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

  • 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
  • Free credit score! Plus tips to Better It Feb 18, 2020

    By Idiadia
    I had been paying for my credit score through experian until someone else told me i could get them for freeeeee. I canceled my experian and just kept credit karma. I have been working hard to better my score and honestly credit karma has help. The showed options of cards and the chances that i would be approve if i applied. I took their advice and was accepted now i just read all tips that pop that can help me get a higher score. I started off at 520, had 480 when i first started on Experian. Im currently at 684 and ive only had credit karma for 3 months. Honestly if anyone is wanting their score for free. Go to credit karma. Also just a note experian would show me all 3 bureaus that gave me my scores but kredit karma only shows transunio and equifax. On experian they also have the boost option where you can litterally raise your score by reporting on time utlity bills, phones bills and bank account. Also your fico score on experian. Overall really happy with the change. They can also give reminders on your cara registration. If you plan to buy a house what you must do...etc a lot of information that everyone should know
    more
  • Camarota’s Apr 22, 2019

    By Camarota
    I love my Credit Karma’s app, it’s part of my everyday life, I can’t imagine not having my credit karma app, it’s helped me so much in watching my credit, it tells me what could help me, and I can see if there are things in my credit reports that may be fraud, I found the app after I was a victim of identity theft, something very difficult to live through, I strongly recommend those who don’t have credit karma to give it a try, and browse the app to everything they have to offer for free and see how it can help you improve your credit and dispute something in your credit report that doesn’t belong to you, you’ll see your credit score rise in this app as you use all of the free options, and access that they have, so if you don’t have credit karma, I strongly recommend that you give it a try and use what they have to offer, you will see the difference in your credit therefore a difference in your life, someone once told me,” you can be poor, have no money, but if you have good credit, you’re rich”, I never forgot that and I found that it’s very true, thanks to credit karma, I’ve come a long way in bettering my credit. Thank you Credit Karma.
    more
  • REAL RESULTS, POSITIVE Apr 11, 2019

    By S.Rutland
    Only one time before have I been so impressed, enough so to take the time to leave a review instead of only rating. Having this app is helping me improve my credit! I have been using it for 9 months, and my results are increases of 18pts last 3 months, 36 pts last 6 months, and 68 pts total increase from what my score was 9 months ago when I started using the app! Before, I was like the commercials letting my credit run wild with me completely ignoring it, rarely thinking about it. But now, the app is so easy to use and convenient, I click on it maybe once a week or every other week, take a few moments to review it, and check my new higher than before credit scores. I like seeing when something on it ages and comes of of my report or is about to come off. I’ve also been able to find charges negatively effecting my credit that I am about to call the creditor and inform them of mistakes of billing me instead of our health insurance company. I like the praises the app gives me for doing well with my scores. Thank you so much, credit karma! Soon I will be able to buy a house with a low APR, instead of being trapped in a long term high APR loan!
    more
  • I Love Credit Karma Jun 24, 2018

    By JeanSe7326
    I can’t tell how much I just live CK! Honestly, is so so so much better than dealing with massive 20+ page reports from the credit bureaus. CK is user friendly and I can see my whole credit profile in one place. If they would and the other credit bureau and even business credit profiles that would make them even better. Since finally downloading the app and creating my account my credit score has resined. I’m still a long way away from where I wanna be, but baby steps. As I write this (Jun 24, 2018) I still need my new car to be reported and get rid of my ugly 24% interest rate and upside down car balance. My new lease and 0-6% interest rate should jump my credit scores up significantly and by November of next year my nearly $80k student loan debt will drop off too! Well at least that’s the perceived idea anyway. My credit is on the rise finally and after 7 years of under bankruptcy and years of financial mistakes (no credit cards) and debts keeping my credit down, I’m now on the rise and thanks to Credit Karma, I’m finally doing and learning who to improve my scores and stay out of debt and bad financial decisions. Thanks CK! Love for real!
    more
  • Oct 21, 2020

    By Jonathan P-Boi
    Good app, but this latest update sucks. I don't like the new UI, and it feels slower now. And one thing that's been bugging me forever, when you open the app and it displays where you enter your pin, raise all the numbers up. It's way too low. But the in app UI sucks now. Change it back please. It was easier on the eyes before and easier to read
    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
  • Oct 14, 2020

    By Jay Kay
    I lost the password to an email I previously used and threw a couple of emails back and forth with credit karma it got resolved rather quickly and surprisingly, credit karma is great and pretty accurate in my eyes at the click of a button I can see my credit score and everything in my credit report accurately to the date! Thanks credit karma!!
    more
  • Oct 20, 2020

    By Robert Ruddle Jr.
    Credit scores always change and this free app is a good way to track your progress and monitor your changes. ( Though a bit slow with updates to current scores ) I don't care for the constant - apply for this or that - however, I like the ability to apply for credit with quick response and track my own progress. 👍 Thank you Credit Karma.
    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
  • Oct 21, 2020

    By Brenda Moffatt
    Would had been 5stars. Ever since the new updates i cant access my info. I cant dispute errors i cant edit phone # Yet i cliked on an advertisement & vahlaa it worked. I want the old credit karma back. The one where i had no issues the one without all the ridiculous adds trying to make my credit worse by selling me somthing or a thousand creit&loan offers... I dont want to access more debt. I want to fix my current problems. I just feel like credit karma isnt there for the right reasons anymore
    more
  • Oct 19, 2020

    By Tommy Hubbard
    I'm starting this app is out to put you more in debt....when something negative happens, they will report that quickly.....if you pay stuff off , it's not updated....But you' ll get another card offer...this sucks...not helping if try to do good then all that's updated is the negative...about to uninstall if this isn't corrected
    more
  • Oct 26, 2020

    By Iris Maria Adams
    So, I'm taking two stars away from the app. Why? The notifications are constant! The blow my phone all day long! Stop already! I get notifications about "finding money in my name" in states I've never lived in or even passed throu. Now with the pandemic I get so many notifications about how to stay safe, I already know! The news is full of that information! And with the election I get so many notifications on how, where, when to vote! I already know I've been voting since I was 18. STOP!
    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
  • Oct 21, 2020

    By Philip Lerolland
    I like it when I am able to log in with my fingerprint, but all too often there is an error for some random reason. One day it works and the next it doesn't and it. That fact alone makes it annoying, otherwise its great.
    more
  • Oct 23, 2020

    By Cassandra Curry
    I've been using this app for years and it was great The last update sucks every time I go to login there's an issue saying that it's not my password which it is and then I go to reset it and it still sucks. Then I try to add my password and everything. And then a new screen comes up add the last four of your social so I do that and then it says oh we do not support this action so why are you even asking me to do it if you don't support the action please fix this
    more
  • Oct 20, 2020

    By N R
    Where did the icons at the top go? Before, I could click on 1 icon to see the total of all my accts, then click down to get more details on each acct. Now, I can't find acct totals. Also, before the update, I was able to simulate score changes if I paid off an account. I don't see that feature anywhere on the app. Are these features still available?? If not, please bring them back! I don't want to click 3/4 different areas to find info that was on the Home screen before the update. Thx
    more
  • Oct 23, 2020

    By Susanna Ruppert
    This new update is terrible. Used this app for years but I'm going to have to find a new one. Where did the shortcuts to accounts, etc, go? Now it takes like 5 clicks and a few scrolls just to get to what I want. Please remedy this and I will come back and update the rating.
    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
  • Oct 26, 2020

    By joseph rodgers
    I have reached out to transunion credit Bureau and verified that i have 2 open accounts/ creditcards and 1 collection account that i have to pay off. And i got a weekly update this morning with every account and collection removed from my file and my name was reported wrong(without my middle name like normal ) im hoping that credit karma cam fix there mistakes and report accurate information
    more
  • Oct 23, 2020

    By Dustin Reuter
    I thought this was a good site/app till I realized that they use vantage score which almost NO LENDER USES!!! Credit karma shows your scores and give you options with approval odds but those lenders prefer fico scores so the odds of approval are not at all correct. My actual transunion score was 24 points less than what credit karma said it was. My equifax was 55 points less. If you get credit scores from the credit bureaus, why don't you show the actual numbers they have??? Garbage!!!
    more
  • Oct 17, 2020

    By Scott Fernandez
    I tried signing up for this thing out of obligation and I couldn't even get past the registration. It kept telling me something in my information was wrong, but failed to identify what it was. After double checking multiple times, it still wouldn't let me finish signing up. If an app is going to block you from signing up because of lacking information, it should also have the ability to identify what you're missing.
    more
  • Oct 17, 2020

    By Paul Belding
    This APP is garbage when it comes to accessing your account. I lost access to an email that I haven't used in years. Now I am locked out of my account. It will not text me an access code, and customer service is worthless. I have tried and tried to get access back, and customer service just gives me the run around. I am not going to waste my time with this APP anymore, and neither should anyone else.
    more
  • Oct 16, 2020

    By PJ Finster
    It was very devastating to find out today that my credit score was much lower when pulled from the bank for a mortgage then what Credit Karma reports. I've been working so hard to better my score, trusting Credit Karma's advise and reporting to guide me. A few points I may understand, but 56 points lower??? What's the point in using this service or trusting them? They are no longer a trust worthy service to me and I don't plan to continue using them or trusting their advise.
    more
  • Oct 15, 2020

    By Sarah Havrish
    Prior to the update, I loved this app. It was quick and easy to use. Now, i hate it.. after the update i find thay it much more confusing, I spend more time looking for where I want to go to get to what I want to see and I still couldn't find it.. absolutely terrible update.!
    more

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