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Credit Karma - Free Credit Scores & Reports
Credit Karma, Inc.
Make the most of your finances with your free credit scores and reports.
10M+
Downloads
Featured on Top Apps for Fixing a Bad Credit Score
4.8
3.8M+ Ratings
Filter Reviews
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Sometimes less is more. I wish they would go back to a less cluttered more simplistic interface. The new layout is not very inviting, and the clutter is getting to be a bit much. Unfortunately if it continues I will start looking for alternatives. I hope the future updates take into consideration our feedback and wishes, because I would hate to lose this app. I have had it for years, and really like it.
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Inflated Credit Scores Beware
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. -
Need more credit offerings
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. -
I like that you can check your credit score everyday.. but I don't like that each account reports at different times of the month so sometimes you have to wait almost 2 months to get caught up to where you really are so that's very frustrating.. and the fact that when you dispute something it takes up to 45 days to catch up.. supposedly credit karma checks every week but it seems like it's over a month behind on most things..
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A Game Changer!
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’.
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Now I am getting repetitive notices for the same article, which I have read already. 6 times in a week and a half for the same article which I logged on and read. The app works great, but they are often off in their accuracy by at least four weeks or more. An I really wish they would put a LOG OUT BUTTON into the app. When I am done and close the app I want to know that the door is closed and locked.
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Great It keeps you in check.
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Awesome
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Spectacular
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Pretty good
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Inflated Credit Scores Beware
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. -
A Game Changer!
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’. -
I genuinely like this app however my old phone died and with it access to my old email account. Now I cannot access my Credit Karma account even if I uninstall my old account and try to reinstall with a new account Id and password. Unfortunately Credit Karma doesn't offer a HELP PAGE. SOME ONE PLEASE READ THJS AND HELP FiX THIS!!!
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REAL RESULTS, POSITIVE
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! -
Free credit score! Plus tips to Better It
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
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Need more credit offerings
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. -
I like that you can check your credit score everyday.. but I don't like that each account reports at different times of the month so sometimes you have to wait almost 2 months to get caught up to where you really are so that's very frustrating.. and the fact that when you dispute something it takes up to 45 days to catch up.. supposedly credit karma checks every week but it seems like it's over a month behind on most things..
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Great for keeping track of your credit. I only have 2 main gripes about this app. The first is that every so often, I'm just not able to log in on the app. I'm not sure if the app doesn't feel like working, or what the issue is, but it tends to last a couple days at a time. The other gripe is that it would be nice to be able to opt out of the credit card/loan/insurance suggestions. For my situation, they are not very useful, so an opt out feature would be great.
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Great Service and Beautiful App
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! -
It's free and I can check on how my crrdit is going, ghough I don't agree with the way my score is rated. I pay all my bills on time, most of the times I pay twice a month; yet my score remains the say or drops like crazy. I don't understand this. Something has to be done.
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Sometimes less is more. I wish they would go back to a less cluttered more simplistic interface. The new layout is not very inviting, and the clutter is getting to be a bit much. Unfortunately if it continues I will start looking for alternatives. I hope the future updates take into consideration our feedback and wishes, because I would hate to lose this app. I have had it for years, and really like it.
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It’s a decent starting point
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!!! -
Personal Loan
I have to comment on the one thing that CK advised me to do: I was pre-recommended for a personal Loan by AVANT (WebBank) and so I applied, I was asked for all my information down to the financial process; I asked them why was so much information needed if I wasn’t sure about the decision if AVANT was going to approve the loan? Avant said “the requested information is only asked if a personal Loan is ALREADY APPROVED”. So I completed all my information that was requested and I waited, one day passed, I waited, 2 days passed. On the 3rd day I called AVANT to inquire about my application and what day was the deposit going to be, and after all the phone calls and faxed information they told me I would receive a email stating there decision. I asked them what happened with all my information I submitted and why was I told that only this much information was requested because I was approved for my loan? They said again you will receive an email stating the details. I NEVER RECEIVED A EMAIL with any information of my denial. KC please investigate this company and remove them from your website before anyone else gets shafted. N C -
Inaccurate information
It's an okay app to monitor your credit but the score in the app is not your actual credit score from the credit reporting agency sent to creditors when you apply for credit. I found the app shows my score to be about 50 to 70 points higher than it actually is. That's a huge difference. I called Transunion and they said while a credit report is free the only way to get your real FICO credit score is to pay them for it. They said they do not give this information to Crédit Karma. Credit Karma uses a formula to calculate a score but it's not accurate. The problem is when it says you have 650 credit score you apply for a card and get denied because you actually have 580. Not only do you get rejected for the credit you should have gotten with your 650 credit score you thought you had but your score goes down even further because of the hard inquiry. Bottom line it's a fun app and informative but just trust the information fully. Get your actual credit reports from credit reporting agencies. -
Accuracy of Credit Karma
I’ve enjoyed having credit karma when I want to take a quick glance at my credit score ; it gives me an idea of what my balances are for my various accounts (personal credit card, mortgage, car loan). However, I recently went to refinance my home and my credit score that came up for the three bureaus was significantly lower than what is stated in my credit scores with credit karma. Since your credit score Gravely impacts your ability to get the best interest rate, this was a bit disconcerting. And with a discrepancy of over 30 points between my actual credit report being used for the refi and credit karma's calculation, the rate I’m able to get is quite different. I wish Credit karma was more accurate with its credit scores .... just be aware, your scores through credit karma are more realistic if you are looking to purchase a car or buy furniture. If you’re doing something house related you’ll need to get an accurate score from your lender.
Release Notes
Varies with device
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