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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
4.4M+ Ratings
  1. 5
    88+%
  2. 4
    9+%
  3. 3
    2+%
  4. 2
    0+%
  5. 1
    1+%
Write a Review
  • Jan 22, 2021

    By Bill W
    the credit score is an estimate, not a hard score, so don't go based off that. still, this app is fantastic for anyone. if you're fixing your credit, it's a MUST! If you're monitoring it's a valuable tool. I get alerts within minutes of applying for any credit. the recommendations for loans, cards, etc are helpful as well. just download it.
    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
  • Jan 23, 2021

    By Charles Perry
    Although I find this app to be very helpful, and I enjoy using it. I can only give it a 3. Reasoning being is accuracy in credit scores. While Credit karma uses Vantage 3.0 most lenders us FICO score formula which can cause a huge discrepancy between what we see from credit karma, and what other lenders see. There has to be a more accurate formula you guys can use? In order to be more accurate to what will work with the lenders.
    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
  • Jan 23, 2021

    By Jeffrey Nicolay II
    I've had an issue with this app for over a year now. I lost access to my old phone number and I can no longer verify my identity through that, and then when I try to use my driver's license to verify my identity, the app recognizes the rear portion just fine but seems to get stuck on the holograms on the front, identifying them as glare. There's no other way to prove my identity with this app and when I try to fill out a complaint, the app stops working
    more
  • Jan 24, 2021

    By Seth Groom
    Used to love this app. Just re-download it to do see my taxes and it has my old number as a verification. It gives me an option to update my phone number. When I click that, it has me take a photo of my ID. After that it verifys my fingerprint then just relogs me back into the main screen on the app. Doesn't change number. So I cant do my taxes with credit karma
    more
  • Jan 22, 2021

    By Kash SB
    I've always thought credit karma was a reliable source. But recently it has been reporting inaccurately. I have reports of missed payments from two separate accounts that never occurred. I have disputed them at least twice and have not received an update. My experian account is not having this problem and has been able to handle any dispute. I need answers
    more
  • Jan 18, 2021

    By Linda Cherubino
    At first, the app made savings easy (except for slashing their interest rate). But, a few times I forgot that my Credit Karma savings account was attached to my bank savings account (I thought it was attached to my checking) and the deposits were reversed. I always rectified my mistake and redeposited. Though things were going smoothly - no more reversals - they closed my account without warning. And, there is no way to reopen a savings account with Credit Karma. Horrible.
    more
  • Jan 13, 2021

    By Michele Beck
    When I try to refresh for loan offers it goes through all the steps, but when it's finished it is back to the same page I started from telling me to hit refresh to see offers. I updated the app, but I'm still having the same problem. I tried logging in to the website, but I have the same problem there too. I can't even submit a ticket, because that won't go through either! I don't know what the problem is, but it's unusable for me right now so 1 star.
    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

  • Jan 22, 2021

    By Bill W
    the credit score is an estimate, not a hard score, so don't go based off that. still, this app is fantastic for anyone. if you're fixing your credit, it's a MUST! If you're monitoring it's a valuable tool. I get alerts within minutes of applying for any credit. the recommendations for loans, cards, etc are helpful as well. just download it.
    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
  • 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
  • Jan 23, 2021

    By Candace Neiman
    love it athough it's a few points off. but i love the app. i have been using it for 5 years and it had given me the ability to improve my credit in little as 4 years. it does take alot of work to fix and have stable income to pay off debt. debt can be very stressful so i encourage you download the app and start enhancing your credit.
    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
  • 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
  • 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
  • Jan 11, 2021

    By Angel Colon
    I really like this application. It's been on top of all of my credit movement, not entirely accurate (free app) but extremely close to it. I like the options that it provides such as credit card matching, loan matching, even alerts to help save money on car insurance. It keep great track of credit history and credit worthiness so it helps provide a clearer picture of what other companies see when they look at me.
    more
  • 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.
    more
  • Honest Truth Apr 18, 2020

    By Captain Gotsuckered
    This app and this program aren’t out for your best interest. This business does not use the FICO score which, most financial institutions use as part of their finance model. Also, this company constantly request me to apply for a new card, boasting how “could improve my score”. Again, if your score is now the same as the FICO score, then based on the appropriate financial model, this new credit line would actually be detrimental to my credit. When you need good advise, this app is making money to advertise for financial companies whose interest is simply to make money, then this app is very deceiving. I locked a credit card to prevent an undue charge and as a result my credit score dropped 23 points based on their model. Again, no questions asked, no rhyme or reason and after I used the recommended safeguards on a capital one credit card. You probably would be better off with a FICO app. My two cents.
    more
  • Jan 23, 2021

    By Charles Perry
    Although I find this app to be very helpful, and I enjoy using it. I can only give it a 3. Reasoning being is accuracy in credit scores. While Credit karma uses Vantage 3.0 most lenders us FICO score formula which can cause a huge discrepancy between what we see from credit karma, and what other lenders see. There has to be a more accurate formula you guys can use? In order to be more accurate to what will work with the lenders.
    more
  • Jan 22, 2021

    By Ian Jensen
    I have always liked how I can see whats going on with my credit. And its a good tool to see if someone is trying to commit fraud. But after the app update, I can only see my Transunion score and history. And I can't see my equifax score or history. I can't even see a option to look it up on the app? Kinda confused about that.
    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
  • Jan 13, 2021

    By Lora N
    Credit Karma used to be so great and up to date all the time, now it seems to lag several months behind actual balances. The layout change has you searching for account information, too many clicks and scrolling when it was much simpler before. I'll keep using it but won't depend on accurate and up to date information. I know they will say reporting depends on the lender sending balances but...
    more
  • 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
    more
  • Jan 22, 2021

    By Kash SB
    I've always thought credit karma was a reliable source. But recently it has been reporting inaccurately. I have reports of missed payments from two separate accounts that never occurred. I have disputed them at least twice and have not received an update. My experian account is not having this problem and has been able to handle any dispute. I need answers
    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
  • 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.
    more
  • Love this app but Dec 10, 2017

    By SammieJayR
    I was in the process of filing a dispute with Equifax within the Credit Karma app and I had to go to a new window on my phone to pull some more information. When I returned to the Credit Karma app I was still on the Equifax website. Well I left the app for a second time and when I returned it was at the Credit Karma front page of the app. All of my typed information on the Equifax website was gone. I was annoyed but decided to start the process again. Unfortunately, now when I try to open a dispute through Equifax I get an error that says my request can’t be processed and it wants me to send an email complaint instead. I’m so beyond frustrated. I understand that Credit Karma makes the app request my pin every time I exit but maybe you should have the Equifax open in an outside window then. Now I have to fill out an email complaint through Equifax and that means I have to pull my credit report because they want the account numbers on the accounts I’m disputing. They had provided the numbers before I got kicked off their website. And the numbers aren’t provided on the Credit Karma app. What a hassle.
    more
  • Awful customer service Apr 17, 2020

    By jsmithf
    One great thing I appreciated about credit karma was the ability to file taxes for free to some extent. After spending roughly an hour preparing my taxes and I was ready to file, I just needed to verify my email. Well someone the app allowed me to sign up with a fake email because there was a misspelling. So I tried changing my email. After changing it and then trying to log in, no luck. Tried two different emails and the app is not allowing me to change it even after taking the link sent to the email I tried to change to. I reached out to customer service which is only by email. Took weeks for a reply, and it requested proof of existence essentially. I sent what was requested, again weeks later, I finally get a response. The response was that the representative somehow thought my issue was resolved, and closed my case. Had to give the competitor, TurboTax my money because credit karma could not help me, and could even respond in a timely fashion. I wouldn’t expect any beneficial assistance from customer service if you are using this app extensively.
    more
  • Jan 23, 2021

    By Jeffrey Nicolay II
    I've had an issue with this app for over a year now. I lost access to my old phone number and I can no longer verify my identity through that, and then when I try to use my driver's license to verify my identity, the app recognizes the rear portion just fine but seems to get stuck on the holograms on the front, identifying them as glare. There's no other way to prove my identity with this app and when I try to fill out a complaint, the app stops working
    more
  • Jan 24, 2021

    By Seth Groom
    Used to love this app. Just re-download it to do see my taxes and it has my old number as a verification. It gives me an option to update my phone number. When I click that, it has me take a photo of my ID. After that it verifys my fingerprint then just relogs me back into the main screen on the app. Doesn't change number. So I cant do my taxes with credit karma
    more
  • Jan 18, 2021

    By Linda Cherubino
    At first, the app made savings easy (except for slashing their interest rate). But, a few times I forgot that my Credit Karma savings account was attached to my bank savings account (I thought it was attached to my checking) and the deposits were reversed. I always rectified my mistake and redeposited. Though things were going smoothly - no more reversals - they closed my account without warning. And, there is no way to reopen a savings account with Credit Karma. Horrible.
    more
  • Jan 13, 2021

    By Michele Beck
    When I try to refresh for loan offers it goes through all the steps, but when it's finished it is back to the same page I started from telling me to hit refresh to see offers. I updated the app, but I'm still having the same problem. I tried logging in to the website, but I have the same problem there too. I can't even submit a ticket, because that won't go through either! I don't know what the problem is, but it's unusable for me right now so 1 star.
    more
  • Jan 12, 2021

    By Marissa Lepley
    Don't even bother with their customer service it is AWFUL. They will straight up ignore you. I have restarted this process to change my email to access my account again 4 times and each time they dropped the ball and just stopped answering after I've sent my IDs and everything. Makes you wonder how legit this app is... and they are handling your sensitive information. I've been told twice my issue was "escalated" but I haven't been contacted in a month. What a joke. Really a waste of time.
    more

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