Credit Karma App Reviews

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Good way to track credit changes, with caveats. 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.

Best App to Keep Your Eye on Your Credit. Credit Karma does a fantastic job of helping you to track changes in your credit report. There are tons of other apps that do similar things and I have tried many (Credit Journey is one example that comes to mind) but none I’ve seen has been as complete and polished as Credit Karma. The App is very quick with updates. I have received notices almost instantaneously when an inquiry has hit. The interface is intuitive and easy to navigate. I love the app for that and use it regularly. Just one word of caution: do not dispute an inaccuracy through Credit Karma, submit the dispute directly with the relevant credit bureau instead. It is easy for things to get lost in translation and you may end up with an unexpected outcome. In my case a mishandled dispute dropped my Credit Score by 40 points. When I contacted the credit bureau they told me they couldn’t fix the issue because the dispute was not registered through its system. Other than that little snag, however, the app has been awesome. Highly recommend using it for monitoring your credit report activity.

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!!!

False score. Credit karma kept notifying me that my credit was going up. After 590 it stopped so I went to an actual top 3 creditor and found out my scores were well in the 600s. When I made a review I was told they wait to hear from creditors to give you their score, after that both my scores (on their platform) went to 600. When are two scores the same? My real time score is near 680 now. How can you be over 50 points off? Seriously. The fact that my score repeatedly went up consistently then stopped, then both went to 600 after the last review and now it’s been the same for over a year speaks volumes. Im doing good and credit karma isn’t acknowledging that because they don’t want to offer me better credit cards. Now people that they decide they want to help are complaining that the cards dont do anything for your credit. 5 stars since they helped me pay attention to my score even though that wasn’t there intention, so thank you. <3

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!

0 stars if I could. Few things. First Credit Karma may give you “some kind of idea” where your credit is. But it’s not accurate. Second they have a feature where you can use credit karma money. I had it for around 7 months. I opened it when I did my taxes last year as credit Karma and Turbo Tax partnered up. Well I had my paychecks set up to Credit Karma Spend. I received my first check. Didn’t receive my second. I called Credit Karma they informed me my account was locked. They told me they would have it unlocked or contact me in 24 hours I emailed them everyday for a week and they had not fixed it. I couldn’t get a new check until my account was closed or unlocked so I had to close my account. I tried to open a new one because again I HAVE to have one for tax purposes. They informed me they can’t open a new one or the old one. “It’s just the way they work.” My fiancé as soon as he set up his tax refund to go in there received an email saying his account will be closed in 15 days with absolutely no way to now change his tax stuff. So we will have to wait for months for him to get his refund. They have the WORST customer service I have EVER experienced. Which is my third thing. Their customer service is awful. They won’t let you speak with a supervisor immediately. They have to “contact you back.” And then they never do. Stay FAR away from credit karma. And until Turbo decides they aren’t partnering with Credit Karma stay Away from them.

Great App!!. I hadn’t checked my credit in over two years. When I finally did through credit karma I was able to see two of the three scores at no fees and dispute several items that were seemed like they were identity theft addresses and various names I did not use. I was able to dispute them directly with credit karma at no charge and it brought my scores up significantly to a point where i was able to get a couple credit cards to build up my credit again which is more than awesome! This app provided everything for FREE I needed to step up my credit game and I still use the app to make sure I don’t have any accounts and names or addresses that aren’t mine since using the app to clear all of that crap up which took a few weeks at most! Usually the disputes happen within days. It also helped me view collections accounts I wasn’t aware of and helped me to clear that up as well! I’m so thankful for this app! You go credit karma! And thank you!

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

Don’t Trust Credit Karma Pre-Approved Offers. Beware Credit Karma “You’re Pre-Approved” offers! Some are great; others are at best misleading. I recently applied for a “You’re Pre-Approved” loan offer through Credit Karma. Not only did the loan sharks turn me down, but my credit score was lowered because of the loan shark’s credit inquiry. Then, based on my lowered credit score, another of my creditors that I have depended on in the past for emergency medical expenses lowered my credit line by $700. Not only was I turned down for the loan shark’s loan for my medical expenses, I lost $700 in available credit from my sole creditor who I had previously used for that purpose. Believe me, when you’re ill that’s a serious blow. While Credit Karma does not approve or disapprove loans, it certainly gives a valuable platform to loan sharks who prey on those who desperately need an emergency loan. Think twice before responding to one of these misleading “You’re Pre-Approved” notices — especially when the loan sharks’ “You’re Pre-Approved” offer implies you can apply for a loan without it affecting your credit score.

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

They never honor their promotions. This is the second time that I’ve done a promotion through Credit Karma that they said they would pay me some money as soon as I had completed it and once again I’ve had to call and talk to customer service they say they don’t even know what the promotion is I take a screenshot of it makes no sense as I did it through the app this promotion was letting them track you and you’re driving habits for a certain amount of time and instantly you get $25 and your spend account still haven’t seen that money and I keep asking for screenshots whoever takes a screenshot of a promotion that an app asked you to take part in? because you need proof later maybe for them but most apps just honor their promotions that one before that was a promotion that if I opened a checking account and savings account and funded a dollar in each I get $25 in my account I had to fight tooth and nail for that they told me the same things we don’t recognize promotion we need screenshots and finally because I hassle them so much they actually did what they said they were going to do and gave me the money to be another negative is there odds for credit approval they’re promoting upgrade for a while which would just turn 1 million people down after being preapproved and all the outstanding yards end up dinging your credit report get it together credit Karma

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

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

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!

Great Advice!. I had no idea what my credit was doing. I had my identity stolen 20 years ago and there wasn’t really anything I could do about it. I joined credit karma years ago to see my free score and never really looked again until last July. You see my husband and I decided we needed to stop renting and buy a home, but that takes credit. I found cards that had approval odds, info about accounts that didn’t belong to me and the accounts that did. I was able to dispute the accounts that didn’t just with a few pushes of a button. I received a hard copy of my credit report which showed when my bad credit occurred and when it would drop off. I was able to apply for and get approved for a credit card to start rebuilding my credit with a few pushes as well. Now I pay closer attention. I know when my score goes up or down and I feel like I’m in control again. I get advice on how to keep the score going up and I think I have a chance to get my credit to a position that will help me actually buy a house.

Has evolved into a mega app. I’ve had Credit Karma on my phone since it first launched. It was useful then for tracking my credit score. But over time the developers have repeatedly added new, impressive functionality and services that kind of have blown me away. For instance, today I enrolled in Karma Drive, which will track my driving habits for 30 days and then advise me on car insurance that could hugely reduce the cost. It’s also tracking the market value of our two cars, as well as the equity we have in our house. It now strategically advises on what debt to pay off to raise my credit score, and to what amount we need to lower our credit card debt in order to refinance our house. And the new services keep arriving every update. From the user experience side of things, it is beautifully designed and has excellent usability - and that comes from a software interface designer (me) - and has clearly been thoroughly vetted for issues and bugs and simplified to the extreme. All in all this app, and company, deserves 5 stars for effort, expertise, design and value.

Very User Friendly!. Direct and straight to the point! I really like the feature that allows you to review and dispute a claim if it is not actually your own bill or already paid, very very helpful (we all know the run around we get when claiming a dispute with old bills that should have reconciled and or were never yours to begin with can be very time consuming and daunting and this app absolutely assists in providing relief in that specific area.) In addition, speaking for myself, (after a health problem) I have had some issues with processing information and understanding cognitive actions that need to be taken and this app definitely has been a weight lifted off my shoulders in the financial understanding department of my own life and I really appreciate just how simple and direct this app actually is. I would recommend this app to anyone of any age and I wish I had not been so apprehensive to try it when I heard about it in the first place because it really has assisted me in my comprehension on my financial reports and credit score and how to improve it.

A benefit everyone should take advantage of—. By all means, free access to view ones credit score is a huge advantage for anyone looking to get ahead with regards to their financial health! Keeping track of your score, in addition to watching your spending habits makes for a great chance of improving ones credit worthiness. The only complaint I have is for the app itself, not the service. Being a credit monitoring app, one which focuses entirely on your credit score, it’s somewhat disappointing that the only real support they give you in learning about credit scores and the different factors are through 1-2 sentences that briefly describe the most basic of definitions of things. Being such a pivotal factor in lending worthiness, I do wish that the app provided more educational features for users so that they can get a grasp of all the terms and the way the score is calculated to allow for a quicker experience in the app. Or rather, a recommendation section that shows your detailed report and what you can do to improve your score.

Beneficial and harmful. 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.

Confused. I thought uploading credit karma would be a good way to learn, monitor, and work on improving my scores. I’m just confused because neither Transunion or Equifax track your exact information the same. Transunion has a lag time in reporting updated accounts. They don’t seem to track all of your accounts and they definitely take double the points then they give. Hence the difference in scores for me. Sad part is lenders love Transunion and probably for that reason. Just Sad. Equifax I do like but today they informed me an account closed. Well this closed account was a 10 year student loan that finally has a zero balance. I never in the 10 year paid it late. Well today because of the closed account my score dropped 3 points. How can a system know every bad thing BUT not a good thing. How do I loose 3 points for reaching zero balance and finally having a closed relationship with a Student loan. For anyone paying off student loans that’s cause to celebrate not be punished. I can’t know how to be better at understanding if they are not consistent with reporting. What I learned with tracking? 1) They slap you on the hand for every single thing. 2) I’m not their client.

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

Pay off creditors from in-app; add a feature to figure out which score apply when. 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.

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

Camarota’s. 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.

Credit karma is a must!!. 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!

Okay, but…. Credit Karma is okay, but their whole “Credit scores/reports updated daily” (paraphrased) thing is misleading and the information they have is not always correct. For instance: CK shows a collection account on my Equifax report. An Equifax report does not. Also, TransUnion scores are NOT updated daily, but weekly. Again, this is comparing a CK score/report to a TransUnion report. Equifax’s information appears to be updated daily, however. Also, like most free credit scores, CK uses a VantageScore 3.0. I would highly encourage users to not base their credit decisions on this model, as it is not an accurate representation of what your scores that matter are (i.e. Fico 8 & 9, Fico Auto 2, 8, & 9, Fico Score 2 for Mortgages, Fico Bankcard Scores 2, 3, 8, & 9, etc.). Reputable lenders do not use the VantageScore model. Bottom Line: Credit Karma is okay for general tracking of your credit on a month-to-month basis, but if you are about to begin inquiring about any serious credit based on the information contained in CK, don’t. Go directly to the credit bureaus (Experian is my personal favorite because they tend to be the most accurate, I have found that their information is used to make credit decisions more often than the others’ are, and you have the ability to get ALL of your scores from ALL 3 bureaus) and pay to get your various FICO scores.

Your on personal Financial counsel credit app.. WOW!!!!!! This app. Is AMAZING! This even help you file your your taxes, from your 🙃 phone REALLY! This is a great tool to have it also show when you’ve made errors they will also show you how to correct it before sending. The app. Shows you other expenses that you could use to file on your taxes that I’ve never seen nor heard of before...... My human tax person couldn’t have know. There’s something new that comes to the app all the time..to keep you on top of things. To me, going thru all the screens that Credit Karma has to offer is like going thru a toy store.....It shows you all the different credit cards that is, can, and will be available to you by your credit score only. I went thru a bankruptcy, my credit score was low 600’s and now my credit score went from the 6’s to the 7’s 😎🕺🏽💃🏾. IF YOU FOLLOW THE INSTRUCTION’S THAT CREDIT KARMA, GIVE YOU, YOU WILL BE ON YOUR WAY TO BIGGER AND BETTER THINGS.. Now, I’m going to apply for this credit card I’ve always wanted..... Good luck Credit Karma family 👋🏼 😃 We are in it to win it.....👍🏼

Credit Fixer. I love this app- while the credit scores may be different from other reporting agencies (there is a 50 to 100 swing) this app allows me to view things that my husband and I share in common. This app keeps me posted on how our bills are progressing allowing me to focus on repair. My credit score has improved from good to excellent in 4 years. While I have not applied for loans or cards suggested on this app, I have been working hard to pay down loans and cards recovering money previously paid in interest and/or principle. I have also learned a lot about how to improve my credit scores by focusing on high impact portions of my credit. My bank made an error in reporting that I had missed a payment and was 2 months behind- I was able to address this quickly- got a letter from them that it was their mistake and worked with the bank to correct it in all three credit reporting agencies. My credit score is now back to excellent. We have much more controls of our finances- and this is a pleasant way to check your balances and keep focused. Did I tell you I love this app?

Don’t understand why?. Credit Karma has been great for keeping up with my scores I recently had a old account show up that had been paid for already and shouldn’t have been put on my report at all and it took away 2 of my points. So I decided to do a dispute through Credit Karma to have it removed and it was removed which was great to see. The only thing I don’t understand is why I didn’t get the 2 points back on my report?? This shouldn’t have been put on my report at all!? So now that this has been rectified I should have been given back the points that shouldn’t have been taken away in the first place and I’m not understanding why I haven’t been told anything about why I haven’t been given my lousy 2 points back when this was paid and shouldn’t have been put on my report at all!?. Why am I still being penalized for someone else’s mistake.?.?.... If it was my fault I would understand but it wasn’t because it was taken care of so it would Not go on it in the first place if I don’t get them back its just not right.???

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

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

Need more credit offerings. 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.

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

Do not use them. I have used them for my scores and finally decided to open an account. Biggest mistake EVER! Do not use them for checking! It takes forever for deposits to show. Debits show instantaneously. I made a mobile deposit and it said it was good. Two days later and after I cut a check on it, it wasn’t accepted. Why?? Because I didn’t specifically write, “mobile deposit credit karma”. What?? I chat. Nope. Won’t accept. Then I find out my first house payment at a brand new home is rejected because they failed to clear my check…. Not because the check was bad but because I made a mobile deposit on my mobile phone to credit karma but didn’t write on the check that I was making a mobile deposit on my mobile phone. WTH??? First I chat. Nice enough but can’t do anything and tells me to call. I call and get Drey who refuses to give me her employee ID and REFUSES repeatedly to get a supervisor! Then I get Sandy who hangs up on me upon requesting a supervisor. Chat said they would transfer and then disconnect. The WORST customer experience ever!!!! Never in my life, and I’m elderly, have I had such an incredibly horrible experience. I’ve just finished writing and submitting a complaint to the FTC. They’ve lost my business. I definitely don’t recommend this company. Save yourself a major headache or worse, just say no.

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

Transunion only now. No longer useful.. I’ve used this app for several years and while entertaining, its usefulness has always been limited due to the scores you see being significantly higher than the real scores a creditor or a new potential lender sees and uses to determine creditworthiness and interest rates. It’s been a good way to get a vague idea of ups and downs in your teal scores based on new accounts being reported or items falling off etc, but when you are given a “score” that is 40-60 points higher than reality, the tool’s practicality comes into serious question. Additionally, the app itself advertises in its fine print that its primary function is to expose you to new credit cards that they want you to apply for so steer clear of the “recommendations” to open a new credit account with its advertisers. Finally, Credit Karma has never offered access to an Experian score in the time I have used it; only Transunion and Equifax and now, Equifax has pulled out so it’s 50% less useful than a few weeks ago. Not worth the memory space on my phone anymore.

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

Really disappointed. False late reports. Credit Karma doesn’t report all credit , I just paid off a $5000 loan from badcock and Credit Karma has never reported my information, the score is always wrong. Credit Karma reports a bad mark when you use credit but when you pay they take months to show the difference. I’m really disappointed in there results. It’s been a few years since I paid of many of my credit debts and credit karma is never correct, taking at least 60 to 90 days to report the some of the correct information. Of course there right on the ball to drop your score dramatically when you use your credit and when you pay it off they give you barely a lift in scores and they blame it on the credit dept and merchants but in all reality it’s credit karmas fault. I have worked very hard on my credit over the last few years and credit karma makes you feel like it’s not hard enough and they make a lot of excuses. 3.0 credit score what a crock.

Nothing to not like about this app. When I started with credit karma 3 years ago I literally had no credit score. Ten years of zero revolving credit and I looked like a ghost to potential lenders. Now I have a score well above 700 with Transunion. Equifax is lower because I guess they still have me on side-eye status. I’ve paid attention to everything credit karma has suggested and stayed on top of my score with its help. I even created a new email after it alerted me to my old account being present on the dark web. It’s just a great app if your goal is to get a handle on your credit. My only suggestion for improvement would be for credit karma to create a second arm of their company which sort of Tony Soprano grabs Equifax or Transunion and makes them an offer they can’t refuse to give me ten extra points to my score when I’ve gone months being well behaved with my credit! I need some muscle up in here! Weight thrown around, if you will, because my goal is 800! Credit Karma needs a Don to make this happen for me - the ‘say hello to my little friend’ department created in credit karma that gets me to excellent credit status. I dream big - but can we make that happen?! Guys? Anyone? Any mob movie fans in the company…?

Alerted me to fraud!!!. I’ve had credit Karma for years. I love it. I use it mostly to check on my credit score since I’m trying to pay off some cc it makes it easier to see all of my accounts as well as feeling encouraged when I pay them off seeing my score go up. Well last night I checked my email and saw an email from credit karma asking if I had opened a new account with Verizon. I didn’t so immediately I knew that something was wrong. Was able to confirm with the app that there was in fact an account I had no knowledge of in my name. So I disputed it with Verizon and they confirmed it wasn’t me that opened it and closed it down and will have it removed from my credit report. With this happening I also put a freeze with all the cc bureaus so nobody else can make more accounts with my info. Had I not had credit karma I wouldn’t have had any clue about this so I’m really thankful I downloaded it and check it every once in a while. I highly recommend credit karma. It’s been nothing but beneficial to me. Probably one of the most helpful apps I have on my phone to be honest.

4 Stars. The only reason I gave it four stars is because it only has credit scores from 2 companies, I would like it more, if it had all three. It is free and there are no complaints. This app does everything it says it does. My score keeps moving up because of the tools they share on here. I read the review that said they only give you prepaid cards. That is false. I have 4 and none of them are prepaid. You have to start somewhere if your credit is bad. Dispute charges or anything else on your credit report that is not valid. Fix your report first before you apply for cards or Get a secured card if you have to. You are the only one that can fix your credit. I did it without hiring anyone. I killed my credit when I was young and ignorant. I have been paying for that mistake for years but, thanks to Credit Karma’s free app my credit is literally turning around. I went from totally ignorant about credit to having the knowledge to fix it on my own. To feeling better about myself.

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’.

Great Credit Monitoring and Management App. Great credit monitoring and management app. I only wish they partnered with Experian for a full experience. However I have a feeling that’s Experian’s refusal to work together for the greater good of the consumer. Anyway, my credit improved using Credit Karma. I used their recommendation and approval odds to apply for a credit card. I was approved (to my surprise since my credit had been jacked up since I was 18 - my mom told me don’t max out my first credit card but didn’t tell me why). Anyway I was approved for $500 to start. Over the next two years my limit was increased to $5,000. I appreciate Credit Karma being free. If they ever offered a paid subscription or paid tools, I would DEFINITELY pay - and I don’t do subscriptions. been jacked up since I was 18 - my mom told me don’t max out my first credit card but didn’t tell me why). Anyway I was approved for $500 to start. Over the next two years my limit was increased to $5,000. I appreciate Credit Karma being free. If they ever offered a paid subscription or paid tools, I would DEFINITELY pay - and I don’t do subscriptions.

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

Fraudulent Debt on my credit report. Theres some crazy debt on my credit report. I found out when we went to re-fi our home. I have called this cell carrier about 2 yrs ago explained Ive had Verizon over 6 yrs+ and do not have anything with them. They completely just didn’t care & refuse to remove unless I pay them over a thousand dollars saying I even have equipment with them. Ive never left Verizon. Unfortunately because of this fraudulent debt on my credit we had to pay a higher interest rate on our mortgage. I never knew Credit Karma had assistance phone# people can call when another party has your SS# & has put a negative debt against you on your report. Yea Credit Karma! Oct 5,2021 I spoke with Keith a very nice gentleman who's going to handle my dispute. Now it can take up to another 30 days & I don’t know If this cell carrier will cooperate with Keith since they have ignored all my attempts to remove the debt I never occurred. But just knowing Credit Karma is trying to help makes me feel like someone is listening to me. Im almost 70 yrs old and this is very frustrating. Not to say this report on my credit has hurt us financially.

Love this app - so much help. Before I go into the LIKES of this app, I just want to note the DISLIKE. It only shows 2 of 3 credit agencies. Would be a PERFECT app if they added all 3 agencies. I like that there is so much information on how to increase your credit rating based on affordability. I like that they give you options for refinancing auto or mortgage or credit card mergers. I would like if there was communication with a real person to ask questions. Example being, if I have 4 collections, 1 being a lot more to pay off but the other 3 are way easier to pay off…Do I work on the collection that indicates “high impact” which is the collection that has a way higher balance to pay off or just work on paying the lower 3? For example! Overall, I love the app and want to thank Them for having it. It helps me a lot and since I have downloaded it, I have increased my credit score by 65 points. 595 was what it was 6 months ago. Now I have 2 of the 3 agencies giving me a score of 633 and 648. Without this app, I’d be in the 620 range - So thank you very much

Be Careful. Be very careful when making decisions using Credit Karma and there are much better credit guidance apps out there. I noticed a message from them the last couple of months saying lower your car payment with these loans. When I looked closely at the terms I could get a loan with a slightly lower interest, but it only lowered my payments with another 72 month loan effectively extending my payoff time for two years. When I looked at the loans closer to my 46 months left the monthly payments actually increased or were the same. Also be aware that Credit Karma is good at giving you an instant snapshot but they do not give you your FICO score which is what really matters for things like home loans and auto loans. Your FICO is not necessarily the same as your combined credit scores. I’ve also noticed that they keep pushing high interest credit cards when I qualify and have cards with a much lower interest rate. I like this app as they can give you a decent snapshot of your credit but closely scrutinize all offers they give you. Check other credit building apps and closely look at the details. The details really matter when you are talking car and home loans.

Mostly helpful but there are a couple of annoying things. 1) I wish they’d change the update note. Every update says it is “updated to include” the same exact thing. It makes it sound like they keep forgetting to actually include it in one update so then the next update says it is included, oops they forgot again, lather, rinse, repeat, ad nauseam. Sort of like if saying the latest iOS update now included some native app that has barely changed since iOS 1.0 like Clock or Calculator or Phone. 2) I wish there was a way to turn off the thing that keeps asking me about my finding out my driving score. I do NOT drive. So the whole save money on car insurance stuff is moot. Just let me disable that. I’d give the app 3.5 stars if that was an option. Edit: someone at CreditKarma must have read my review, because they finally got a sensible update note instead of the one promising they had now added that same thing they now added last time and many times before that. Still not going to give Transit app a challenge in the best app update notes, but greatly improved. Give me, who does *not* drive, a way to opt out of the app about if I want to know my driving score and maybe I’ll add a ⭐️.

Authentic. I am grateful for credit karma. Although credit scoring is highly confusing to many, many people, and can be frustrating, being a mortgage underwriter, I do understand that there are different scoring qualities that affect different finance options differently. I do feel like this could be, and should, be explained better, via Credit Karma, without having to dig foe the information. Perhaps associate it with the home page of credit karma, titled “Credit Score Differences - It pays to understand this aspect better.” - so that individuals realize, first of all, which score auto populates when you open credit karma, and secondly, you should list the different scores, as they are associated, so that if someone is applying for a mortgage loan, they have a clearer picture of their score, for that particular product. Or auto insurance, or a personal loan, etc. Other than this issue, which has been an issue for many many years, I am completely satisfied with Credit Karma and appreciate the sincere, authentic, level of security and customer service that you all provide. Respectfully, Terrie Gentry (Fka Terrie Waddell)

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5 Years In, Still Going Strong. I got Credit Karma pretty much as soon as I turned 18. I had a mobile phone account opened with my social security number, and Credit Karma gave me the tools and walked me through disputing this and getting it removed from my credit report (it worked). I've used it to find good a couple good credit cards to work on my credit score, and it's super convenient to see all my loans (student and auto) in one place. I love how it explains how much each factor of your credit impacts your score, and provides tips on how to constantly improve your score. Recently, I've decided I want to be a homeowner before I'm 30, and they have a tool to help you calculate what kind of home buying power you have! This is my second time filing taxes (I've received the same refund as TurboTax offers both times, but for free) and it's easy, stores my old tax information electronically for me to access quickly, and it is user friendly. Keep it up, Credit Karma.

Amazing Credit App. I would refer this Credit App to anyone who is looking to monitor their credit for FREE and looking for ways & means in which they can better their Credit Report as well as Credit Score, it is so helpful & easy to navigate and use & they really treat you as if you are a valued paying customer, even though your actually getting their services completely free!!!... I love this App & don't know what I would do without it, it has really given me the opportunity to know & play a key role in the knowledge & use of my Credit and Credit Scores, which are so essential and vital to you, your family and your financial well being!!!... Thanks Credit Karma, I think what you did with your genius idea in creating this App to help others for FREE, while still creating a vast financial income for yourselves as a business, is extremely AMAZING & proves that God truly blesses those who use their talents & good works to helps others!!!... 🙏😉👼😇👍🦋😊👼

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

Locked card. If you happen to use credit karma for there debit card I must heavily stress to never lock your card. With this being said I locked my card a few months ago when I lost my job. Now that I’ve started back working and decided to have my checks deposited onto my credit karma spend account I can’t unlock my card. It should be as simple to slide your finger across the screen to unlock it as it is to lock the card. Now Looks like I’m going to have to open a bank account and link my credit karma account to it so I can transfer my money over to a bank account. I don’t have a bank account and that’s the reason I use this app in the first place. So yeah major hiccup is never decide to lock your card. And customer service can’t fix it and called them 4 times only to hear language I can’t understand. This has done me in on this app and my patience has been tested for sure.

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.

Great app for young adults starting out their lines of credit or anybody fixing them!. I was recommended Credit Karma by my old store manager a few years back after some type of conversation involving credit. As someone in their early 20s, I was aware of what credit was but only heard it in the negative aspect. I knew there was an ideal number you wanted to be at but not much beyond that. Credit Karma made it easy for me to keep track of that number and whether it was a good one or not. Through some of the suggestions, I went from not understanding credit to being able to lease a new car within a year. I now have a high enough score that I generally don’t need to worry about securing a loan or purchase a house in the future. That’s not to say things won’t happen, but I’ve kept it steady and climbing for the last year or so. Of course, I’ve also been using their tax services as well and have received my returns in a quick and painless manner as well. Check it out.

Really helpful. I’ve been using credit karma for almost 2 years now. I’ve increased my credit score by over 200 points in a little over a year. The first year I spent paying off 99% of my debts (I only have one left now) and then I applied for my first credit card using the credit karma app. I now have 3 credit cards total so far all using the credit karma app and will continue to use it. I’m just waiting a bit longer before I apply for another cause I’d like to get one with benefits and a larger limit to help increase my score and help me out. I really like how I can check all the factors of my credit in detail with this app. I tried the other one (I don’t even remember what it’s called anymore but I think it was sesame seed?) and I was not impressed with that app at all and it annoyed me so I deleted it. I also like the savings option I’ve used it to house my emergency fund but have recently moved it back to my direct bank account cause of the Covid thing going on I want immediate access to my money if needed. Cause it takes a few days to process the transfer of the savings from credit karma back to your bank account. All in all it’s a fantastic tool for visual people and it’s even better that it’s free, I love it :) 9/1/20 age 26 beginning credit score when I downloaded app was around 450 💀😭 and it’s currently 696 🥰 I’m just a mom of three kids this isn’t sponsored just a review cause I wanted to share 😊

Credit karma. Credit karma has been very helpful for rebuilding my credit score and I am going to continue to use and recommend it to anyone that is trying to improve their own credit score and is very helpful for finding out and paying off outstanding credit accounts that I was unaware of prior to using this app. I rate this app with 5 stars and appreciate the availability of this awesome app that is more helpful than ANY OTHER way of helping me pay off old outstanding debts so I can rebuild my credit score again. Thanks to credit karma, I'm coming a long way in looking so much better than I did prior to this quite helpful way of getting my credit score back to where it used to be and I feel so much more confident and proud of my overall ability to qualify and obtain credit cards and credit skills again. Thank you so very much for creating this app for ppl like myself who is recovering from falling back on harder times. 👏🏼👍🏼🤗

Problems with seeing my score/ update/ fixed. I tried for months to log in and couldn’t, but that was reasonable because I had a thin file, now that I have finally been able to sign in my credit score simply says N/A and doesn’t show any other information and everything i click on gives an error message, i assumed this would be fixed within a certain amount of time possibly due to my file still being a bit too thin, but it has now been another several months and i still am not getting anything out of this app except a bunch of loan ads, really frustrating, i have to log into equifax every time i want to see my credit score/ contacted the help centre and they were able to help, had to cancel my account and sign up again though which was less than ideal, but i can finally see my score and other information now, might update to 5 stars if i absolutely love the app now that i can finally use it.

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

Not giving updated info. For the most part, if you are serious about your financial future, this is a great app to have. Do not rely on the scores as fact. Use them as a guide and FOLLOW the tips they provide to raise your score. Currently, however, the app hasnt been updating any information. It said wait until after feb 4 to see your new score. I finally emailed technical support yesterday, mar 8 and it says wait until mar 5th for an update on the score. Well, no updated score. It still shows i owe a credit card payment that was paid off in january. So, i appreciate the free software and its rude to complain. It has been marketed and they do make money though so i am being honest that i come here expected atleast pretty accurate, up to date info.... Not months old outdated numbers that no longer mean anything. My bank offers a free fico service. Ive chosen credit karma. But i can not much longer if i cant get current info, pls.

Amazing(Now help with more than just credit). I just have to say before I heard about credit Karma let’s just say I didn’t have the highest credit score and honestly it wasn’t because I didn’t pay my bills but because I had the wrong cards with interest rates that I was getting taken advantage off. So I I think about 1 year I managed to not only get the correct card that helped me save money but made my score go up big time by just having someone(credit karma) looking out for my best interest! Now they are getting even better than I ever thought they could by helping me realize my vehicles that I own/Lease I am paying to much just to insure them. So another thing to be able to put money in my pocket teach me something to be more aware of and also be able to make be able to take that trip that a year ago wouldn’t have been possible. It’s amazing that for FREE they can impact you in several positive ways!! 👍🏻 Five stars isn’t even enough!!!!

Great App to have. I have been using this app for almost two years now and found I appreciate it more now than I did two years ago, let me explain. I recently retired a little over a year from my current job but have been retired from the Military for years. Since being retired I have more time to go over all the details this app has to offer and believe me it is very helpful and a great tool to keep an eye on your spending and credit scores and credit card usage. If you haven’t downloaded this app by now I can honestly say you are missing out on a awesome free tool. Seriously why not try it? I said the same thing when I had my doubts but what a deal and if you don’t like it then delete from your phone it’s that simple! I usually do not write reviews but this one is a keeper and especially today when your ID or credit cards are so easily stolen or forged. You can put your mind to rest when you have Credit Karma behind you watching over you credit scores and ID’s. D.

It’s a Great Tool that Gives a 1ft to 100ft overview of Credit. Not only does it handle the credit overview on the macro & micro levels, I started utilizing their checking and savings accounts. With the the defi industry coming up these days, it would be a good idea for credit Karma to jump into the decentralized crypto currency industry. The reason why crypto currency is so popular is because it treats everyone the same. I look at some of these loan offers, and it’s downright insanity. I’ve been offered loans that I would end up paying the loan back twice in order to borrow. Credit Karma, heed my advice, get rid of the loan sharks on your platform. Just because my credit is bad, doesn’t mean I’m poor. It just means Covid happened. Embrace crypto decentralized industry, start offering reasonable loans through your platform that actually help, and I can see you guys becoming the next great financial institution. Thanks for such an amazing platform.

A Few Points Away from Having Excellent Credit!. Credit Karma is a FANTASTIC tool for getting a handle on your credit and helping you find a path towards improvement. I downloaded the app a few years ago and was floored by the ability to check on your credit whenever you wanted (it was still a new thing back then). When I started I had sub-400 credit (no joke) and now I’m only a few points away from having Excellent credit! In all the years I’ve had the app, I’ve opened it about twice a week without fail and have taken a lot of the advice it’s provided, from moving credit card balances to personal loans (multiple times) to holding off on making big purchases to allow one of my hard inquiries to drop off first. It’s actually fun to play with all the features and the app has never steered me wrong. I love this tool and truly recommend it whenever the topic comes up. Get ittttttttttt.

Notified of Identity Theft. I literally just received an email tonight (07/26) from Credit Karma telling me about an account that was opened five days ago (07/21). Turns out someone stole my identity. I would have given the app five stars just because I like all of the information it provides, but I wish I could give it 10 stars. I’m already in contact with the police, the bank cancelled the card and put a fraud alert on it and then ran my info and found this thief had put in another application that was pending with that bank. The bank was able to cancel that on the spot so no card was activated. I also went on Equifax and put a fraud alert in my account (they shared it with Experian and TransUnion) so for the next 90 days no one can open anything without my permission. If it wasn’t for Credit Karma I have no idea how long it would have taken before I knew or how many other cards they could have opened. Thank you, thank you, thank you

Invaluable Resource.. I love this app, this is one of few reviews that I’ve left in the past 17 years that I’ve had an Apple account so that must say something. This app is very useful, helps me everyday and I really appreciate how you get your TransUnion and Equifax scores included in your profile (granted these scores aren’t updated all of the time but this is still very useful and it’s free!). This app provides suggested credit card offers as well and so far I’ve been approved for all of the credit cards that this app has suggested and that is a lot to say for them because I’ve run into issues using similar apps in that I wasn’t approved for the credit cards that they suggested (which was a big bummer). I really can’t say enough good things about this app and I was cued to leave a review having not been prepared so I do hope to update this review at a later point in time with more features of this app that I find useful...

Deplorable spend accounts. Absolute worst banking experience. The reviews on here are extremely accurate. Shame on TurboTax for recommending Credit Karma for use with tax refund deposits, advances, or spend accounts. I had no idea what I was in for when I chose to go for the TurboTax recommendation on their website, because they’ve always been reliable and and trustworthy. But oh boy, BELIEVE these people when they say that Credit Karma spend accounts will decline your transactions for no apparent reason, put a fraud hold on your account for no apparent reason, and even reverse transactions that have ALREADY POSTED for no apparent reason—All are scenarios in which customer service is emphatically clueless as to explaining why or helping to improve the issues. They create no resolutions, and are just overall inept in their roll as ‘customer service.’ I’m very worried about being able to withdraw out my remaining balance after my final transactions are out of pending so that I can just never use this account again. Others are saying their money was tied up or never ultimately given back to them, and I am praying this doesn’t happen to me. What insanity!

Thanks Credit Karma!!!. I’m so grateful to Credit Karma. Thank goodness I signed up with them or else I would have never known right away that a credit card was opened up in my name and the thief already maxed out the card!! Credit Karma alerted me of “new activity” I should review and the new credit card shown up on my report. I did have to start a dispute process online with Credit Karma and right away I called Credit One, the credit card company, to report that I had no knowledge of this credit card. Credit One did look into the case during this one phone call and verified my personal information/identity and determined that the card was opened fraudulently by someone who stolen my identity!! I would have never known because the address for the “card holder” was in another state, and all contact information did not match mine. My credit score had dropped down to 700, and now, it’s back up to 750!! Thanks Credit Karma!!!!!

More than i expected!. Okay so i'm 20 years old and i wanted to start my credit for my future i always search websites to check my credit score but it wasn't free so i would not check it, i downloaded this app thinking that it would work just to keep track of my credit score but no.. IT'S SO MUCH MORE THAN THAT! Credit karma helps you to build your credit score and it tells you everything about the accounts that you open! All the information that you need is there, also i got a derogatory mark of a account that was from my cousin but she used my ssn in credit karma you can dispute if you know that account it's not yours, so i did it and guess what? in 2 days that account was deleted from my credit score and my score got up 50 pts!! I can not be more happy and the best thing is that everything it's free i didn't pay a single penny i don't know how they do it but if i had to pay to have this app i would do it because it's the best!

Great app…. Credit Karma has really come a long way! I initially got the app years ago in order to keep track of my credit score. Since then, they’ve become a complete, thorough, helpful way to keep track of all my finances. They help me budget and save offering useful informative articles. They teach me the importance of good credit with suggestions on how to improve my score which is updated daily on the app! They recently added online banking with a savings account that actually gains interest along with a spending account with no fees and early direct deposit of paychecks. One of the special perks of Credit Karma online banking is the ability to earn extra money with incentives like monthly drawings and cash back on purchases! No other bank, online or off, offers these extras! The app itself is extremely user friendly and I’m confident that Credit Karma cares about its members financial well-being!

Your a true king and protector of us average people. I always thought the United States government took care of the people but after so many years practically my whole life I finally realize the government doesn’t care about us lower class people. Credit karma and life lock you all have became the protectors we all been prying, hoping and looking far. Usually in America anyone can do or say anything about you and your thrown into a mess i didn’t have anything to do with. Go see a Judge and boy what a Joke the judge want even acknowledge I’m their let alone listen to me. Get a lawyer is a flip of the coin like the last one I had paid them off and they told me to my face it was paid off and they added another 1000 corporate fee. Credit karma your the only protector in this world of slave sales and greedy bully’s who sale our information and lives away for fun. So much more I can say to you but I will end this with thank you 🙏 thank you so much for life and freedom.

Absolutely essential mobile app!!. This app has made taking care of and looking after any aspect of your current financial situation easy as physically possible, I even used it this year to file my federal income taxes, which first of all was absolutely free (even for state income taxes, which most other brands will charge you for even with their premium tier program packages) and second of all literally took me a total of less than 10 minutes to file from start to finish. Although I have suffered a small credit hiccup recently, at zero fault to credit karma, when I first started I was using credit karma exclusively as my personal credit department and was able to escalate my score to a nice 750 in a matter of months. I was already in good standing with all my creditors but credit karma let me know how to polish my score to the best it could have been. I STRONGLY recommend to anybody that cares about building credit even a little bit. Can literally change your life!!

Not impressed with fake offers. Had some sketchy credit, got the app and applied for a couple of credit cards. Got approved for them, received them, used them, and watched my score climb. Once my score got above a 700, CK starts shooting me ads saying they think, based upon my credit score, my interest rate on my vehicle loan is too high and they think this “head hunting” company they use can get me a lower rate. I bite because my interest rate IS too high. I get a hard inquiry on my report and my score drops by a few points. After a few days, I hadn’t received an approval or denial and my report only showed one lender as receiving my application. I call the number and after speaking with one of the head hunter company reps, I’m told they send my application to multiple lenders and the process can take a little while. Fast forward to today, two weeks and some change later, and I get an email that says they’re sorry but they cannot get approval for my application at this time. Two and a half weeks and I have a hard inquiry and ONE application viewed by a lender. Credit Karma, get your stuff together. Lenders that you’re pushing aren’t holding up their end of the bargain. You’re pushing them, they’re screwing us.

Credit Karma Doesn’t Follow Through On Claims. Credit Karma is constantly promoting credit cards from various lenders. So I followed up on an a “pre-approved” offer from Mission Lane. After a hard inquiry into my credit report, Mission Lane approved my application. FYI: Whenever a company checks your report for a credit card, this is called a hard inquiry. What Credit Karma doesn’t OPENLY disclose is that this process lowers your credit score a couple points. Mission Lane then directed me to their website. I filled out ALL the information required. That is the last I’ve heard from them. The Credit Karma app paved the way for this company to access highly sensitive information and I’ve heard nothing for almost three months! I alerted Credit Karma over a month ago about this illegal activity. They sent one email acknowledging my complaint and that’s it. Nothing; leaving me hanging! I plan on reporting them to TransUnion and Experian.

Used to love CK. 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.

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

Worst online banking. The fact that a general bank transfer between accounts can take upwards of a week is absurd, there’s dozens of better mobile banking applications that work ten times better than what Credit Karma provides. No option of instant transfers, can only link one bank account, can’t link external cards, the only option for same day payments or transfers is to work directly with only your savings and checking accounts. There’s so much wrong with this app, not even to mention the fraud prevention program they have in place that does not work, they’ll lock your funds or transfers almost immediately sometimes because they believe the activity is suspicious, I’ve had this happen to me for a Taco Bell payment (5 bucks) only for me not be able to feed myself and have to continue to provide personal information that has already been disclosed with Credit Karma (example being ssn, address, full name, mothers maiden name, and license number) ONLY USE THIS TO CHECK YOUR CREDIT SCORE, this company only cares about their own funds and continues to neglect and abuse their customer base. Free credit check tho, absurd smh.

I’m so thankful for Credit Karma. I can’t say enough good things about this app and what it has done for me. I was really, really stupid as a young adult (late teens to early 20s). Credit Karma has been an amazing tool to help me fix what I had screwed up. It was terrifying to take the plunge and make that first step: to download it, sign up, and know where I was starting. I bawled my eyes out when I got my first score. But I now have an exact reference of where I started and I can see how far I’ve come now. CK’s suggestions are extremely helpful. I’ve been able to use the information they’ve provided to me, and I’ve now been approved for three credit cards. I started out with one secured card. By using them responsibly and using the app as regular feedback, my score has increased over 150 points from where I started out. It’s easy to create “what if” scenarios, and see how your choices may impact your score. I can’t enthusiastically say that I have great credit yet, but I’m getting there. I’m currently car shopping, and I’ve gotten to experience going in knowing I’m already approved for the vehicle I want to look at. I have options to get a good deal, instead of just settling for an old junker with an astronomical interest rates. I’m proud of what I’ve accomplished so far, and this app has provided me the information and tools I need to get there. I’m not where I want to be yet, but I’m getting closer every single day.

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

No activity by me ,yet my credit score took a 52 points drop. I must tell you how disappointed and confused. I am regarding the recent drop in my credit. Scores with no activity by me. I was right at passing the 700 when you first drop my score. The hard inquiries you say will drop off in about 3 months, yet the 2 hard inquiries are still there for over a year. My scores were at the high 695 area. I disputed every negative impact multiple times for several year now. These massive drop in scores are confusing as this 52 and 42 points drop come with no activity on my part . Those very very small points increase you give do not compare to the massive 52 and 42 drop with no activity by me, I was so close. Please see this review as a complaint and a request to restore my credit scores back to high 697 and 695 or move my pass the 700, I’m in the process of purchasing a house. Your drop in my credit damage my chances to buy a house, I request immediate action. The star I gave was only to write the review I worked too hard in rising my scores to have them drop with no activity for credit requests or bad credit inquiries

Credit Karma a good thing to have on your phone.. Credit Karma has definitely been a wonderful thing to have at your fingertips for when you need to check your credit scores. They have been good to me so far in letting me know if something has happened to my credit scores whether it’s been good or bad. It’s definitely been a good thing to have in good situations and for bad situations, It’s just has been one of those thing that you are glad you have when you are needing to check your credit scores in a hurry if you wanted to go bye a car or truck. You don’t have to go to the dealership wondering if your credit scores are going to be good enough to get you a truck or a car because you can always check your credit scores and see if you are going to be able to get a truck or car or anything else that you are interested in buying. So I would say get the app on your phone or iPad and then it’s always there to check your scores anytime you want.

Best credit app. Credit karma helped me out big time. I applied for a credit card 3 times direct from capital ones website and got denied. I went on credit karma and somehow by using their app I got approved. Same thing with some of my friends they tried direct from Amex, capital one etc.. all got denied. I don’t know if it’s because karma gets a kick back from the company if you get approved but hey it works. Also I had a fraudulent claim for $500 witch went to collections and it took my credit from 759 to 618. CK has a dispute claim thing that has the debt collectors phone number and address. I called the debt collector and sent them a certified letter to prove my dispute was legitimate and boom 7 days later my score was back to 759. I like that the app tells you the pros and cons about any card but keep in mind they are getting paid to sell you cards. Overall I give CK 5 stars I just can’t find anything bad about them. Been using app for only 6 months but this is my experience so far.

Love credit karma!. Credit Karma helped me to stay on top of my credit score and helps to give ideas on how to increase my score. My score was hurt big time after I was laid off from my job years ago and could not keep up with my bills. I was able to begin fixing it after I found a new job and it motivated me to keep going after I saw it climb back up, little by little. It gave me hope after a very depressing time. It shows all of my accounts and the best thing is, I can check it whenever I want and it doesn’t hurt my credit score. Credit Karma also has partners who can offer ways to be Pre-Approved for credit cards and personal loans and car loans. It even helped me look into finding a better car loan so I could refinance my current loan and pay less. Credit Karma pointed out that I was paying too much for my car loan and gave me different lenders and different rates offered to help me find the best lender. It’s just awesome.

Credit karma changed my life , I recommend this app. This app has helped me so very much throughout my life,I’m blessed to have found it and have heard about it, I recommend it to anyone, before this app I co-signed on my sisters vehicle at a dealer ship when I had first turned 18, and she made 2 late payments and didn’t even advise me of them on our carnote, those 2 late payments set me back 2 year’s from buying a house and getting my own vehicle primarily for me thanks to credit karma I downloaded the app and kept up with my credit ever since , now as a young man of age 23 , I have a 780 credit score and I own 2 homes , have it not been for credit karma I would of never known about those 2 late payments that my sister made and I probably wouldn’t have known about credit at all, coming from a minority family , credit is not something spoken about often at home neither at school so credit karma changed my life 100 percent

Credit Karma Changes Lives. Money expert, and Atlanta consumer advocate, that teaches all of us how to save more, spend less and avoid getting ripped off, highly recommends Credit Karma for many reasons. I was optimistic when I downloaded the app, and am now a firm believer, myself recommending the app to family and friends. In this one place I can: check my credit scores, get advice and make action plans to improve my scores, see my entire credit/payment history, simulate scores based on various payment actions to make informed decisions, get offers and so much more. My credit score has improved by 50+ points over the past several months thanks to the suggestions and follow up weekly updates provided. Thank you Credit Karma for the quality information and money saving tips. I’m now in a great place to put my money to work with excellent scores and savings in my pocket. I highly recommend Credit Karma.

Credit karma. They really stay on top of what is happening with your credit and if you use their app and set up alerts you’ll really be on top of your credit. My husband and I both had our identity stolen and had we not had Credit Karma and Life Lock it probably would have been months before we knew what was going on. We are still having to get things fixed and believe me it has been quite the hassle. I would have never believed it could happen to us bc I’m so cautious about using our cards and just so you know the three major credit bureaus are quick to put things on your file but you have to go through h... to get them to remove it. Even after they have proof that it is wrong it takes them up to 3 months before it is removed. I can’t say enough good things about Credit Karma for being there to help guide me through this nightmare of a process. I recommend Credit Karma them to everyone and also lifelock

Good tool for BASIC tracking of your score. My husband and I both have had this app for at least 6 months. It is incredibly intuitive to use for beginners. With this app as a tool, we’ve managed to get our credit back on track and motivated to save more. It gives us a way to see we are achieving something. I just used CK to do my taxes and it took a whopping 15 minutes. One of my W-2s even self-populated after entering the first few numbers. I recommend it for anyone with simple taxes. The ONLY negative thing I can say, which is not necessarily this app, is to check your credit from your banks website too. CK shows 0 derogatory marks (I paid them all off) so I applied for a new apartment and 2 items still show on my credit. They both are paid off items, but CK showed them gone, my banks credit monitoring also showed the two marks still. So, I’m not sure how that is... whether it be the app or not, check several places before big financial decisions. It’ll save you some heartache.

I never thought I could do it. I have never care about my credit when I when I was younger because no one teach me about how important it is to have good credit. On tell i read about it that when I hear aboutCredit karma and how they could help to be your credit when I started out my credit was 500 and I thought that was great only to learn that that was horrible and that I needed to work on it much better so I asked her A little bit over a year Credit karma have changed my life in many ways today my credit score is 736 I am tremendously surprise they teach me and help me to get my credit cards and how to manage them throughout the year so thank you credit karma for making things easier to understand and also showing me that having a credit is very important in this country I would definitely recommend them to anyone because they have change my life for the better.

Incorrect data. And once again, y’all keep referring to my “WIFE “ by name when you send emails. When you use my social security number as well as my birthdate. How in the hell can you seriously get all this backwards. Again, my name is James, and my wife is Esmeralda. So now for the second time I will say again, to really and truly check your information. So now as my review comes with a reply, I am referred to as my wife, showing just how bad your information can be. Please get your side of the information together. I have seen the credit report first hand, with my information entered into this credit check system, and somehow you respond to my review with “we will check into this matter (my wife’s name)” Good job y’all. It has come to my attention that Credit Carmaker is not truthfully reporting. Now seeing the hard inquiry from the dealer that we are trying to purchase a vehicle from is showing that Credit Carla is actually off by 15-20 points depending on who they show for credit reports and information. This is very dissatisfying as we are trying hard to rebuild credit and what looks like an improvement on everything from Credit Carmaker is actually showing that we have basically made no improvements as of now with the hard inquiry. If someone from Credit Carmaker would care to explain I will amend this review, but as of now I am very disappointed. Don’t believe the hype, as of now, this is a waste of time from them.

Great App. Credit score at a glance—what more could you want? It also educates you about what factors make up your score, tells you your auto insurance score (a score that affects your rates for auto insurance), tells you what credit lines you have open (ever stop using a credit card for 7 years and forget about it? I have. I closed it out when I saw it still there), and how much you owe on loans or other lines of credit (like how much you still have to pay down on a car loan). It also gives you suggested immediate actions on how to improve your credit score and even recommendations for credit cards with good rewards programs where you can earn cash back/travel rewards or whatever you’re into. The ONLY gripe I have with it is that I never see any discover card recommendations on there, so if you’re seriously researching reward programs for credit cards, you might not want to stay just in the app. Download this app. It’s good.

Best credit app ever. The Credit Karma app has saved me so much money, not only did it give me the option to look at other car insurance policies but it also gave me the option to choose cards that fit my needs and has the tools to help me make better financial decisions there’s no better app out there if you’re looking to keep your finances in top shape. I was able to save a lot of money on my car insurance by going through one of the providers I also was given the option to find great ways to refinance my car loan and some amazing offers for credit card so I can’t say anything bad about Credit Karma it has been such a wonderful way for me to get my credit in line and understand how to use my credit. Credit karma gave me that ability to do calculations on loan pay off in credit card debt it’s so amazing and it helps even those who may not be very good with credit information or financials

Great Customer Service!. I’ve heard great things about Credit Karma for years but had been dragging my feet, terrified to take an in-depth look at my credit. When I finally signed up, I tried for a total of a couple of hours on two different days, using two different devices, to try and upload my drivers license to verify my account and start using the app, but it wouldn’t accept my photos and eventually locked me out both times. So I emailed customer service and heard back from them two hours later and was able to get into my account no problem! I even received a follow up email a few days later asking if everything had worked or if I needed further assistance. It may have been an automated follow-up, but I’m still very impressed at how quickly my initial problem was resolved, doesn’t usually happen that way these days! So thank you for your awesome customer service and I can’t wait to make use of your financial tools!

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

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

Best Deal Ever. I almost lost my home in Dec due to an invalid collection that decreased my credit score. I disputed the charge and it was granted, but how do I know if it made any impact on my score? A friend told me about Credit Karma, and he helped me download it. The security measures were just so tedious that I almost decided not to download it anymore, but it was worth the whole pain. My score had gone up, I went back to my lenders, what they needed was transunion and theirs reflected exactly same thing I saw on Credit Karma. I was working with 2 banks that had denied my initial loan application and all of a sudden they were both fighting for who gains my business. The table turned around so fast that it became my turn to play around and get the best offer. Hadn’t it been Credit Karma I don’t know what my fate would’ve been because I already sold the house I lived in. The best part of Credit Karma is that it is FREE!!! It never hurt your score and u can check it as much as you want. Thank you Credit Karma!

Super helpful tool!. I have been using credit Karma for a few years now and have found the articles very useful! Being able to check my credit score instantly has been a fantastic way for me to be aware and mindful of how I use my credit. I bought a house, switched jobs, took a significant pay cut and unfortunately with C19 last year my hours were cut. I lived on my credit cards. My utilization drastically increased and I drove my credit score up. Credit karma gave me options. Showed me when my score was fair enough to consolidate my credit card debt and which loans I had a good chance to get approval. I applied for one of their loan suggestion, got approved at 15% ( still lower than the 24% the credit card companies were charging) and now I am back on track. I can honestly say I couldn’t have done it without them! Thanks Credit Karma! You have helped me get back on track!

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

Good, could be better. The layout of this app is complex and doesn’t make sense. It could be more organized and easier to maneuver through and back. It also doesn’t offer Experian. Which is one of the 3 major creditors. It also freezes on me constantly and often doesn’t work, it will give me messages like “Oops the page you’re looking for doesn’t exist”. But lately, it has been acting a little “less” glitchy and I have been able to actually “successfully” submit my credit disputes for Transunion and everything was taken care of. I am over joyed! But equafax started freezing on me tonight. I love the app when it does work. And it is really helping me rebuild my credit, when it does work. You just gotta keep and eye on it daily to see if it will work and let you through or not so you can submit disputes. Its hard to see if your submission went through successfully because it’s hard to maneuver through the site to see the work you’ve done.

Spam spam spam. Incorrect information.. They refuse to stop spamming. They refuse to allow you to stop being spammed. They claim you can edit your preferences yet you can not, you can but the spam still comes and if you opt out of being marketed they claim the credit monitoring feature stops. The monitoring feature is very delayed and does not catch anything until a year or more later. They constantly spam. Every few days. Marketing spam. Fake info spam. The information is not accurate at all. Not even close. These people are scam artists. The credit scores are not up to date nor are they anywhere near what your true score is. The credit monitoring is a total joke and is nothing more than a way to market you and try to get you to upgrade and give them money. The tax return info does not find credits or deductions. The credit card search only brings up capital one because capital one pays them to advertise their cards. Do not waste time with this crap. There is so many better options why any uses credit karma is beyond me. Do yourself a favor and stay away unless you like the useless spam they send. When you need your credit score you will not get an accurate score here.