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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 6M+ 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
    2 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
    6 months 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
    2 months ago
  • img Expert Best Credit Score Monitoring Apps 2021

    Best Credit Score Monitoring Apps 2021

    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

    Reviewed by Laura S on December 12, 2017

  • 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.
  • Jul 28, 2021

    By Angelica Small
    Decent app to help you keep track of your accounts and score. Although, I find my scores seem quite a bit higher in this app than on my FICO report. I do like that you can explore and compare credit cards and their rates, cash back, etc. Also helpful to quickly see what your rates may look like for different loans.
  • 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.
  • 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.
  • Jul 29, 2021

    By Marissa Martinez
    Even if the credit scores aren't exactly the same they show a good estimate. I started using this app with a credit score of 605 and I am now at 667. I was able to see what I needed to fix bad how I could fix it with CK and didn't have to pay anybody to do it. #Superthankfull
  • 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.
  • Jul 28, 2021

    By Angelica Small
    Decent app to help you keep track of your accounts and score. Although, I find my scores seem quite a bit higher in this app than on my FICO report. I do like that you can explore and compare credit cards and their rates, cash back, etc. Also helpful to quickly see what your rates may look like for different loans.
  • 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.
  • 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.
  • Jul 29, 2021

    By Marissa Martinez
    Even if the credit scores aren't exactly the same they show a good estimate. I started using this app with a credit score of 605 and I am now at 667. I was able to see what I needed to fix bad how I could fix it with CK and didn't have to pay anybody to do it. #Superthankfull
  • 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!
  • 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’.
  • Jul 22, 2021

    By Brilliant Buizel
    This app is amazing. Transfers from a normal account to Credit Karma save or spend do take 2 - 3 buisiness days, but once your money is in, it is well worth the wait. Money can be instantly transfered between save and spend, and any purchases you make from the card have a chance of being reimbursed!
  • 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
  • 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.
  • Jul 29, 2021

    By Damian Neubauer
    I now have a credit specialist who checked my credit. Turns out Credit Karma lists severely incorrect information. Things that were supposed to be removed, never were, and accounts list the wrong amounts. They were only removed on Credit Karma and not actually removed from my report. That puts a huge damper on my trust with this company. I just got a credit card through these guys and now I don't know if they are trustworthy enough to use it.
  • Jul 29, 2021

    By Nestor Camacho
    It used to be great, but now all my credit cards in the Accounts info are asking me to confirm that I pay them in full monthly. This is annoying and creates doubts on the acuracy of the information. If Transunion and EquiFax reports that my CC's are in $0.00 and that I pay x amount monthly, then why do they need me to confirm of the info is true. Doesn't Credit Karma trust the credit bureaus? And why would they trust my info/confirmation of data over what Transunion and EquiFax reports to them?
  • Jul 22, 2021

    By Mary Gonzalez
    Bad app! I had filed for my income tax return and haven't received my federal tax yet it's been awhile! I received my state check but it was a lot less than indicated that I would receive. Ii stopping to the direct deposit. Nowi can't even log back in the app now! First I couldn't retrive my tax info. Now I can't even log in know! Please beware
  • Jul 22, 2021

    By Janette Stevens
    A great app until I opened a save & spend account. I made an external transfer for 5.00 as a test run. Next thing I know my acc was locked and credit karma requested a copy of my driver's license front and back and of my external account via EMAIL which is unsafe. I refused & requested my external acc be unlinked. They refused. I contacted the BBB. They still haven't sent me my 5.00 back & have locked my viewing of my credit report. I also had to call the bank they use to unlink my external acc.
  • Jul 22, 2021

    By Steve Clark
    Impossible to get help through Credit Karma. Been using Credit Karma for years, now I can't log in to my account. Gone through the automated help center, to no avail. When I hit "Contact Us", it says I must first Log In. Duh! That's what I'm requesting help with.
  • Jul 26, 2021

    By Collin Cutler
    Was a user of this app, until I began flooding my phone with ads. Every video in YouTube, my video games, 2-3-4 ads in a row, dozens of times a day.....this unltranaggressive marketing marketing had just guaranteed that I'll NEVER use this service again...EVER. 0 stars if possible.
  • Jul 21, 2021

    By Anthony
    Dumb!! Tried to link my chime bank account to my credit karma debit card... It keeps telling me my info is wrong... Um NO THE F ITS NOT!! I wish it was easier to deposit money/checks into my account, like ummm "mobile deposit". Thats one of the main reasons why i got the debit card... But if it doesnt have that feature then im trashing the card, and account, and ill stick with my chime credit builder card.
  • Jul 29, 2021

    By kieran barr
    It is impossible to update my adress. I've lived in south carolina for 5 years yet ck keeps advertising me for Nebraska Insurrance and Nebraska opportunities when it isn't relevant to where I live this half of the last decade. I try to update this info but, it's not fed to credit karma by me, it's controlled by the info they receive from their spy network.
  • Jul 21, 2021

    By Michele Hamilton
    I used to be able to look and see what changed and view my whole credit and now it won't let me. I keep getting a error when I click on the see what changed and view full credit report.
  • 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.
  • 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
    2 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
    6 months 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
    2 months ago
  • img Expert Best Credit Score Monitoring Apps 2021

    Best Credit Score Monitoring Apps 2021

    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

    Reviewed by Laura S on December 12, 2017

  • 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.
  • 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.
  • Jul 29, 2021

    By Marissa Martinez
    Even if the credit scores aren't exactly the same they show a good estimate. I started using this app with a credit score of 605 and I am now at 667. I was able to see what I needed to fix bad how I could fix it with CK and didn't have to pay anybody to do it. #Superthankfull
  • 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!
  • 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’.
  • Jul 22, 2021

    By Brilliant Buizel
    This app is amazing. Transfers from a normal account to Credit Karma save or spend do take 2 - 3 buisiness days, but once your money is in, it is well worth the wait. Money can be instantly transfered between save and spend, and any purchases you make from the card have a chance of being reimbursed!
  • 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
  • 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.
  • Jul 26, 2021

    By Mrs. Rachel Gerald
    Great app for reviewing my credit reports, since Equifax doesn't have an app and TransUnion requires me to pay for their app. Even though Credit Karma(CK) shows Vantage Score 3.0 and not any of the other FICO Scores, I still find this app worth the time to download and review what's on my reports. CK sends me alerts when balances decrease/increase, when accounts are opened/closed and gives me suggestions on how to improve my Vantage Scores. Take time to familiarize yourself with the app.
  • 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!
  • Jul 28, 2021

    By Angelica Small
    Decent app to help you keep track of your accounts and score. Although, I find my scores seem quite a bit higher in this app than on my FICO report. I do like that you can explore and compare credit cards and their rates, cash back, etc. Also helpful to quickly see what your rates may look like for different loans.
  • 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.
  • Jul 29, 2021

    By Lander Nettles
    I definitely find it easy to maneuver. I am glad they show my debts but they need a link to connect you to the agency in which you owe. They show me owning accounts for something there is no possible way I could have opened because I wasn't there
  • Jul 29, 2021

    By John Skelton
    I like the constant updates. some of the advice seems contradictory. keep your spending low, get a debit card and spend to win! type of thing.
  • 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!
  • Jul 28, 2021

    By Big Noodle
    It's better then Experian, the only thing that annoys me is when your credit drops when an account is closed like my truck I paid it off my score drops 28 points. That's dumb it should do the opposite when a big loan is paid off it shows good payment history. I know this app doesn't control that but just sayin.
  • 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!!!
  • Jul 27, 2021

    By S K
    Love the fact that the credit scores can be seen and credit monitored. However, I didn't see my name associated with the score. It's prudent to have the individual's name and scores on the same document, same screen. if not, the score bears no meaning.
  • Jul 29, 2021

    By Damian Neubauer
    I now have a credit specialist who checked my credit. Turns out Credit Karma lists severely incorrect information. Things that were supposed to be removed, never were, and accounts list the wrong amounts. They were only removed on Credit Karma and not actually removed from my report. That puts a huge damper on my trust with this company. I just got a credit card through these guys and now I don't know if they are trustworthy enough to use it.
  • Jul 29, 2021

    By Nestor Camacho
    It used to be great, but now all my credit cards in the Accounts info are asking me to confirm that I pay them in full monthly. This is annoying and creates doubts on the acuracy of the information. If Transunion and EquiFax reports that my CC's are in $0.00 and that I pay x amount monthly, then why do they need me to confirm of the info is true. Doesn't Credit Karma trust the credit bureaus? And why would they trust my info/confirmation of data over what Transunion and EquiFax reports to them?
  • Jul 21, 2021

    By Michele Hamilton
    I used to be able to look and see what changed and view my whole credit and now it won't let me. I keep getting a error when I click on the see what changed and view full credit report.
  • 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.
  • Jul 22, 2021

    By Mary Gonzalez
    Bad app! I had filed for my income tax return and haven't received my federal tax yet it's been awhile! I received my state check but it was a lot less than indicated that I would receive. Ii stopping to the direct deposit. Nowi can't even log back in the app now! First I couldn't retrive my tax info. Now I can't even log in know! Please beware
  • Jul 22, 2021

    By Janette Stevens
    A great app until I opened a save & spend account. I made an external transfer for 5.00 as a test run. Next thing I know my acc was locked and credit karma requested a copy of my driver's license front and back and of my external account via EMAIL which is unsafe. I refused & requested my external acc be unlinked. They refused. I contacted the BBB. They still haven't sent me my 5.00 back & have locked my viewing of my credit report. I also had to call the bank they use to unlink my external acc.
  • Jul 22, 2021

    By Steve Clark
    Impossible to get help through Credit Karma. Been using Credit Karma for years, now I can't log in to my account. Gone through the automated help center, to no avail. When I hit "Contact Us", it says I must first Log In. Duh! That's what I'm requesting help with.
  • Jul 26, 2021

    By Collin Cutler
    Was a user of this app, until I began flooding my phone with ads. Every video in YouTube, my video games, 2-3-4 ads in a row, dozens of times a day.....this unltranaggressive marketing marketing had just guaranteed that I'll NEVER use this service again...EVER. 0 stars if possible.
  • Jul 21, 2021

    By Anthony
    Dumb!! Tried to link my chime bank account to my credit karma debit card... It keeps telling me my info is wrong... Um NO THE F ITS NOT!! I wish it was easier to deposit money/checks into my account, like ummm "mobile deposit". Thats one of the main reasons why i got the debit card... But if it doesnt have that feature then im trashing the card, and account, and ill stick with my chime credit builder card.
  • Jul 29, 2021

    By kieran barr
    It is impossible to update my adress. I've lived in south carolina for 5 years yet ck keeps advertising me for Nebraska Insurrance and Nebraska opportunities when it isn't relevant to where I live this half of the last decade. I try to update this info but, it's not fed to credit karma by me, it's controlled by the info they receive from their spy network.

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