Credit Karma

Credit Karma [Finance] App Description & Overview

Making the most of your credit scores starts here. From spotting identity theft to getting personalized loan and credit card recommendations. Ready to make financial progress?

• Check your free credit scores – Learn what affects your credit scores and how you can take control.
• Explore the all-new Relief Roadmap - Connect with government stimulus programs, unemployment benefits, debt relief opportunities, loan options and more.
• Credit Karma Savings – You worked hard for your money. Now Credit Karma Savings makes your money work harder for you. Open a savings account* in minutes and start earning a high-yield interest rate that’s optimized across a network of 800+ banks.
• Free ID monitoring – We help you spot potential identity theft and give you tips for keeping your personal information safer.
• Free credit monitoring – Get credit alerts when we see important changes happen to your Equifax or TransUnion credit reports.
• Personalized Approval Odds – See which credit card and personal loan offers you’re more likely to get before applying.
• Credit card choices – Browse great credit card offers based on your unique credit profile.
• All things auto – Tune up your auto loan, save on insurance, see open recalls and find vehicle records.
• Home sweet home – Calculate how much home you can afford, see personalized home loan offers and get a mortgage pre-qualification letter.
• Credit Karma Tax® - Filing your 2019 state and federal tax returns is 100% free from start to finish, plus you’ll get our Maximum Refund Guarantee**, Audit Defense*** and dedicated support.
• Personal loan shopping – Whether you want to refinance credit card debt or borrow for an emergency, we’ll show you personalized offers based on your credit profile.
• Search unclaimed money – See if any of the more than $40 billion in unclaimed money has your name on it.

Join more than 100 million members and get all these features, and more, for free. Download the Credit Karma app now.

*Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. Maximum 6 withdrawals per monthly statement cycle.

**If you receive a larger federal tax refund amount or owe less in federal taxes using the same Tax Return Information when filing an amended return through another online tax preparation service, then you may be eligible to receive the difference in the refund or tax amount owed up to $100 (minimum $25) in the form of a gift card from Credit Karma Tax®. For details and eligibility, see

***For details and eligibility, see Exclusions apply.

$2781 provided in the Credit Karma Tax phone screen image is the average 2018 Federal tax refund based on data provided by the IRS. $2973 is the average 2018 State tax refund in CA based on data provided by the CA Department of Revenue.

Mortgage products and services offered through Credit Karma Mortgage, Inc. NMLS ID# 1588622 | Read licenses at

Loan services offered through Credit Karma Offers, Inc., NMLS ID# 1628077 | Read licenses at | California loans arranged pursuant to a California Financing Law license.

Insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748).

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Credit Karma Customer Service, Editor Notes:

Thanks for using Credit Karma! Our app is regularly updated to make it easier for you to track your financial progress. This version includes a number of performance improvements and squashes a few small pesky bugs. Stay tuned for more updates, and be sure to share your feedback at

Credit Karma Comments & Reviews

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- Inflated Credit Scores Beware

I have been using Credit Karma for the past three years and Credit Karma is constantly indicating that you qualify for a personal loan that can save you interest. It states that you can check now with no impact on your score. Both scores on Credit Karma shows 800 plus respectively. After applying you receive multiple email notifications and regular mail indicating that you do not qualify for lack of credit, insufficient credit activity and history etc.. In addition, both credit agencies that Credit Karma shows/uses have my credit score showing 90 points less respectively. I know in their verbiage they indicated that each agency uses it’s own scoring system. My concern with Credit Karma is that it is misleading when it comes to displaying accurate credit scores and it appears as if scores are inflated whereby consumers can feel that they have good scores to apply for products being offered on Credit Karma. If you are going to collect our data and provide misleading scores to create a false positive for us to apply for credit/loans whereby the advertisers will pay you then you should be upfront and truthful with your credit scoring. Be ware of the inflated credit scores on Credit Karma.

- Need more credit offerings

I LOVE Credit Karma! I only wish they had more diverse credit card option. As my credit score gets better, I keep getting offers from Capital One. I have two cards already and when I accepted an offer they (Credit Karma via email) recently sent me, I was declined based on having too many Capital One cards. I have no problems with my Capital One cards, the app makes it so easy to manage and pay my balances. The in app reviews seem to be spot on so make sure you take the time to read them before accepting offers. They seem to be partnered with a company that offers credit but the reviews are pretty much “consumer beware” I’m glad to have Capital One in my wallet so if your looking for a go to card with awesome reviews on rebuilding your credit, they are a good place to start. I recently also started receiving auto financing offers from a company that basically sells their cars via a vending machine concept. The reviews are absolutely horrible and the cars are severely overpriced. It is my opinion that some partnerships are just not a good fit for Credit Karma. Someone with bad credit would have a better chance of getting a better deal at a lemon lot or car auction. Credit Karma has helped me set reachable credit goals. I just wish there were better in app credit offerings as ones scores improve.

- 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’.

- 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.


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!

- 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!

- 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.

- 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.

- Great Service and Beautiful App

I’ve been using this app for a few years now. It’s a great credit monitoring tool! Easy, beautiful design and really a lot of info at your finger tips. I really have zero complaints about using Credit Karma or the reliability of their services. I do however have one complaint and it’s regarding the app for iPad. I have my App Store filter set to only show iPad apps and Credit Karma still shows up. However after installing I noticed it responds like an iPhone only app. It can only be used in the Portrait screen orientation, has the enlarger icon in the bottom right and it is VERY pixelated. Granted I am using an iPad Air 2, so it’s a little older but I’ve not had any issues with other iPad/iPhone compatible apps. I use my iPad as a laptop (built in keyboard and such makes it just like a laptop) so to have it where it only works in portrait orientation means I can’t use it in landscape orientation, and the pixelation makes me want to use my iPhone, but when using the CK Tax Service, well, I don’t want to have to do that whole process on my phone! If this gets fixed, and this app is truly updated for iPad compatibility, it is well worth 5 stars!

- It’s 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!!!

- 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?


Easy way to track your equifax and transunion scores. Other apps provide transunion only. Easy to use app that lays out your info in a clear structure. Like most credit apps, it serves you cc offers but I find these helpful if you're building your credit. They show you what cards you're likely to be approved for and breakdown features both positive (rewards, points, cashback) and also negatives (annual fees). Reading the reviews of certain cards/banks from other Credit Karma users is also helpful so you can avoid creditors with bad reputations for customer service and apps and websites that don't work well. Reviews sometimes mention what particular credit score they had when they applied, this may help you decide if you should apply for a particular card. This app makes credit monitoring fun, I check it all the time. Don't pay interest on cc! Don't overspend! Don't apply for cards with annual fees unless you are compensated with rewards that offset that fee. Pay down your debt, increase your score and you will feel better about yourself. Debt has huge impacts on mental health.

- 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 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.....👍🏼

- 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.

- 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.

- 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.

- 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.

- 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.

- 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.

- 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.

- 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.

- 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.

- 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.

- 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.

- 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.

- 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.

- 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.

- 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!!

- 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.

- 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!!!!

- 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

- 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!

- 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 😊

- Love this app but

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

- More 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 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!

- 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. 👏🏼👍🏼🤗

- 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.

- 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

- 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

- 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.

- 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.

- 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.

- 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!!!... 🙏😉👼😇👍🦋😊👼

- 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!!!!!

- 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

- 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.

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- Awesome app

I’ve always had this fear about my credits. Granted that many credit cards offer free credit reports. But I don’t go checking on them as I should. I just know that in order to keep my creditworthiness, I can’t miss a single payment.. but this app shows you your credit score and more! It gives in-depth on all your outstanding debts (credit cards, loans...). Also, it let’s you know what you should do to possibly lower your debt and increase your score. Apart from offering me personal loans to pay off high interest rate CC’s (which I’m not considering...), this pretty much gives you all the info you need to know regarding your credit score with TransUnion and Equifax. Awesome app to use to constantly keep track on your credit history, credit worthiness and most important of all, be able monitor your credit closely on-the-go and be able to report any suspicious activities (one can never be too careful..)!

- One day 850 Score!

When I signed up for credit karma, I was very surprised, not in a good way to find out that my credit score was not as pristine as I thought it once was. Before I decided to purchase a new house. I used Credit Karma as a tool to work on my credit score, they gave me recommendations and what I needed to do to get my score up to attain a lower interest rate from my lender. I'm so glad that I did. It took time and a little work, at the end it payed off. I got a loan from the bank with a low interest rate. The last thing I wanted is to pay a higher interest rate that I should. Whenever changes occur in my credit report or score, credit karma keeps me posted of all the changes and they give me advice on what I can do to help land that perfect credit score. Without good credit, You’re at the mercy of the lender and higher interest rates...It’s not a good feeling. The best thing about Credit Karma is that it’s free!

- Awful customer service

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

- Highly recommended APP!!

This APP tells you where your credit stands, both with your regularly updated credit scores and readily available credit reports. It only provides information from Equifax and TransUnion but it seems to me these are the ones most used by creditors. The APP shows you how to make your credit scores better, even how to get a perfect score...and why it's not absolutely necessary to do so. Your information is provided in an easily understood manner with help available, and suggestions are provided for you to use to improve your credit scores. I haven't had any problems with this APP nor have I been misled or charged for anything. Further, the APP plainly states when it is reimbursed for its suggestions (certain offers of credit for example). I have found this to be a trustworthy APP which I think is important for one you would use to monitor your financial matters.

- Miss Gail

I think your site is wonderful because I submitted a complaint about a charge that was on my Trans Union account through your company and with-in a month it was removed from my account. This in its self made my credit rating go up, which really made me happy. Then your company notified me that my score had gone up. When I checked to see what my new rating was you then suggested a credit card for me to apply for and I did and I was approved for it. I was shocked because I thought I would have to get a secured credit card, in order to improve my history. I didn’t really have bad credit, I just didn’t have any credit at all! So, thanks to your company, I am on my way to improving my credit history w/an unsecured card. It also happens to be the same bank that I have a checking and savings account with! Thank You Credit Karma, for all of your help and your suggestion!

- Credit karma Provides added value benefits

From my experience, credit karma provides me with benefits that subscriptions to Equifax and similar services do not provide. For instance, They recently helped me facilitate clearing up a Report that I owed $1500 to a medical provider. The app enabled me to write an explanation That they subsequently communicated to miller. (The provider simply neglected to bill the 20% that Medicare does not cover to my supplement provider which resulted in a false report that I owed the money. Subsequently, it had been turned over to a collection agency and I had never received a copy of the Collections notice.). They apparently have channels that are unavailable to me and I can handle such disputes more quickly than I could have on my own. So in addition to providing details on my credit score and what went into it, I got the added benefit of help with A false negative claim. Nice to have somebody with credibility on my side.

- Trying to rebuild my credit

I had a bad time and tore my credit up really bad a long period of time went by and wanted to live and have thangs and don’t make the money to save and buy in few year so I started trying to rebuild but got no where I down loaded this app and started learning it and with their helpful idea and emails I got it built to be able to find a place get a loan and gives me a chance to build it better higher and only having a prepaid phone are living with someone who can take out a loan to buy a house is what I have to do and it helps me find parts of my credit that happen while married I didn’t know about cause another took out loans and had put in my name to and deside not to pay left me with the bag and now trying to learn if I can reject those report cause of her and make it so maybe can help my kids get started with right foot down thanks

- Accuracy of Credit Karma

I’ve enjoyed having credit karma when I want to take a quick glance at my credit score ; it gives me an idea of what my balances are for my various accounts (personal credit card, mortgage, car loan). However, I recently went to refinance my home and my credit score that came up for the three bureaus was significantly lower than what is stated in my credit scores with credit karma. Since your credit score Gravely impacts your ability to get the best interest rate, this was a bit disconcerting. And with a discrepancy of over 30 points between my actual credit report being used for the refi and credit karma's calculation, the rate I’m able to get is quite different. I wish Credit karma was more accurate with its credit scores .... just be aware, your scores through credit karma are more realistic if you are looking to purchase a car or buy furniture. If you’re doing something house related you’ll need to get an accurate score from your lender.

- Credit reporting.

I like your credit reporting, what I can not understand is, why and how can you, Transunion and Equifax, deduct such high numbers of points in my credit score or that of my wife, when we have always paid on or befor time and we have never top off any account and perhaps we have used more than 30% of our credit line in some of our creditors account, but have remained very low at other, yet you tend to use the highest percentage of usage as the dr using factor of basically shocking our credit scores, to a point of basically questioning ourselves, as to our own credit worthiness, I would like to know, you use such a horrible and depressing system of scoring our credit worthiness in such a drastic manner? You are just as radical in upgrading our scores, which is good though, but I am wondering how you come about this scores and it’s numbers? Thank you

- Great credit coaching!

I got Credit Karma a little over a year ago. I knew NOTHING about credit and how it works or why it is so important. With Credit Karma’s guidance, I have gone from a terrible score of 603 and unable to be approved for any credit card to a score of 706 and have several cards that Credit Karma has taught me to use responsibly. It’s very daunting to start on the road to credit building/recovery but Credit Karma has helped so very much. I have learned so much and have recommended Credit Karma to so many people. Credit Karma teaches about every facet of building a good credit score; the information is invaluable. I have even started my teenage nieces on it so they can learn all they can about responsible credit use! What a great resource for responsible (or learning to be responsible) credit users! It should be mandatory for teens or young adults just starting out!

- An Excellent hub for Credit Monitoring

Coupled with one or two other credit monitoring apps this personal power punch is a real hub for the others to revolve around. While credit wise for the capital one may provide a very useful credit score simulation tool for checking what happens if you apply various actions to your credit, Credit Karma is the one that truly connects you to the outside world of cards, loans, and other services. This is what makes it not only a great source of information about your credit and credit score, but also a source of inspiration for those wishing to build rebuild, or simply expand their credit power. Little in the way of an app purchases and outs, simply because the nature of their concert is in itself enough to find its operations through connections with various banks and other financial institution's. All in all a great choice.

- App is going downhill fast

The app used to be very simple and you could navigate it quite easily. Over the last year or so they’ve removed the ability to see your collections on the homepage, removed the ability to request multiple disputes against different collections, and furthermore they appear to be having technical difficulties with the collection requests that are placed. The biggest hurt here however is the convenience of navigation. The front page is just a long scroll of erroneous details that don’t pertain to collections/open accounts..considering that is the only reason I use credit karma, for quick referencing of which collections or accounts are open (I’ve been dealing with fraud collections for going on 5+ years). Sad to see but I may just stop using this app if they can’t get their crap together. Bring back the old look!!!

- Credit Karma rules!!

Since signing up on credit karma my life has changed dramatically. First, it was easy to understand what debts needed to be paid off in order to get a better credit score. Then, once those debts were paid off I was able to see the positive effects right there on the screen, and was able to make an informed decision about when to apply for a credit card. I made on time payments and was able to monitor my balances to keep the spending on my credit cards below the 30% “safe Zone”. I saw my credit skyrocket! I was also able to make an informed decision as to when to apply for a mortgage, and my wife and I got into our literal dream house! I attribute so much of our forthcomings to credit karma. Without it I would have had an exponentially harder time with these accomplishments. Thank you, Credit Karma! Y’all do good work.

- Honest Truth

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

- Rlly works!

I’ve seen the advertisement for credit karma for a while but was rlly skeptical about using it due to thinking by looking into my score I’d somehow lower it. That’s not the case with credit karma. I’ve boosted my credit from mid 500’s to lower 700’s. I was even recommended cards that would help build credit and ultimately decided to get the capital one platinum card which helped me get to the 700 club. With this app you’re also able to see which debt(s) you have and you’re also able to dispute them(which I did) to clear them from your report. You’ll get weekly updates on your credit score and if you do have/get at credit card it’ll help you manage your utilization (remember, 30% max). Credit karma has rlly help me get myself together and I’ll recommend it to anyone who needs help improving or just monitoring their credit.

- Love CK

I love ck!! I never used to think checking your credit was important , I’d only find out how my credit was doing when i would open up a credit card account. I’d bite my fingers thinking “I hope I’m approved” I tried to get a loan for a house last year and it turned out my credit was a bit low due to some derogatory negative accounts showing in my credit. I didn’t even know what those negative accounts were. So I started disputing them and credit karma helped me keep track of my credit. It would update me with every changes made to my credit score. I started getting so addicted to checking my credit.. credit score is so important in life. .. it helps me keep track of my financial goals. It lets me know when exactly I will be ready to re apply again for a house. This time my interest rates won’t be so high .. so thanks credit karma !!

- Mixed Review

The app is extremely user friendly. It also provides a lot of information about credit ratings, tips to improve them, etc. However, Credit Karma also recommends that you apply for a loan with the app and they provide the names and information. Clearly, this is an endorsement of these institutions. Additionally, the interest rates are very good (depending on one’s qualifications). You also get the money with 1-2 days. The contract between the loan institution and the borrower indicates, among other things, that upon acceptance of the loan, your credit score may decrease. However, no warning is given that upon acceptance of such a loan, one’s credit would be destroy your credit and likely takes years to even restore your original score, much less acquire a higher score. Within days of receiving my loan, I was able to pay off 5 credit cards. The following week my credit score went down 65 points. Yes, 65 points. For the first in my life, I now have bad credit. Since receiving my loan in mid-October, my rating has gone up 2 points on TransUnion and 4 points on Experian. At this rate, I’m looking at 5-6 years until I’m back to my original score. I’d say if you are just monitoring your credit score, this is perfect for you. But I would not recommend taking out a loan by way of Credit Karma.

- A “MUST HAVE” For anybody trying to build credit.

When I was 18 I had a vehicle repossessed as well as a few small items turned to collections. Since then I worked very hard to build credit while paying off the debts that were in collections and settling them. However I never quite new what my score was until I was ready to actually buy a car or home. Unfortunately it was kind of embarrassing to go to buy one of those only to be denied due To poor credit. Now I can check before I even price shop for a new car. I was able to buy a home on my own & I have multiple credit cards, pay them off monthly. And know exactly how to build my credit & stay out of debt due to credit karmas useful tips! I got my family using it as well as some of my younger workers. This is a “MUST HAVE” if you’re not 100% about your credit.

- Ronald McCarty

After many years of using this app I will be canceling it. Their app has become ineffective. For the same numeric value on one screen it shows that Numeric value is rated good and when highlighted it goes to the next screen and that numeric value is rated fair. What good is that you don’t know if your score is good or fair. After weeks of sending complaints and requesting help I found that their customer service was worthless. Don’t expect any help from them. They will repeatedly request meaningless information from you over and over again and you will realize that you were speaking to a robot and they couldn’t care less about your problem. And also be careful if you investigate their savings program. Even if you look at it in my case they signed me up for it and after I have repeatedly asked them to cancel it they keep sending me emails telling me that I am a member of it when I’m never knowingly signed into it. Don’t trust credit karma!!

- Great app ! Very supportive

Really like the app and how it reminds me of my credit changes and rating changes. I do have one issue - and I do NOT think it’s related to CreditKarma but I’ll put it here. I pay off my credit cards fully each month. And I use one specific card. Another card had a promotion for the last two months so I began to use the other card. The credit companies noted this as a increase in the one card but didn’t note that my other card purchase were lowered for this time frame. This caused my excellent credit rating to drop 50 points. I don’t agree it should have done that. My spend on the account was no different than the other card. Probably just a timing to clear the balances effectively. But again I don’t think this is creditKarma related. Love the app. Love the suggestions. Keep up the great work!

- Decent App

I really like using CK to review my accounts, credit utilization, payment history, and suggested ways to increase my score. It has been a huge help in those areas and it's extremely convenient to have the ability to view that information when I need to. But I have has some issues when it comes to the credit scores themselves. The scores are extremely inconsistent and change dramatically after each weekly update. For instance, my bank pulled my credit for a vehicle refinancing application. The next weekly update my CK scores dropped over 100 points each. I use only 9% of my available credit, no deregetory marks or late payments. So, it was hard to believe my credit would drop 100+ points within a 3-4 day period just for a hard inquiry. The dramatic drops in the credit scores have happened several times in the 6 weeks I've had the app. Additionally, the loan officer st my bank suggested that I should always subtract 20-30 points from my CK scores, as that seems to be more accurate and it's what they do when customers approach them about using CK. So, this shows me that I'm not all together wrong about my CK scores. All in all, as I mentioned above, CK is great to review your credit information but I would not trust the scores 100%. The app is a solid 3 stars in my opinion.

- Best Credit Score App By Far

I’ve been a Credit Karma user for close to two years now. I have nothing but love for the app as it has helped me visualize how my credit score has been going up for the past few years. I started from never having a credit card to getting my first secured credit card to now having multiple credit cards on my record. It has kept me on top of paying off all my balances and making sure I’m keeping my utilization low. If you haven’t downloaded it already, please do - you won’t regret it and it doesn’t bother you like other apps on the market right now. They advertise credit cards to you since it is a free service after all but nothing where it’s in your face all the time, just a separate category if your looking to open a new account. Brilliant app, definitely recommend!

- Useful, but not a 1 stop shop

A few things need to be added to this app. First of all it does give you relevant info from Transunion and Equifax. Experion is missing still after at least 5 years of operation. The scoring model they use is vantagescore 3.0, which is fine for a basic overview, however people need specific information on the scoring model for the type of loan they are looking to acquire such as a mortgage. FICO scores are needed for this. The credit card ads are a necessary evil for this, but I would like to see the Experian info as well as the FICO scoring available. If I have to endure more ads from say mortgage or auto loan banks, or maybe a premium pay tier for higher quality info, I would be ok with that. Overall it’s useful for what limited view of your credit they provide. Mostly to see any derogatory information on your report and gives you a way on bringing up your scores even if you can only see a small subset of them.

- Excellent service/app

Using this app helps me track my credit scores and ensure payments are posted, or during COVID-19, ensure the creditors update my files as needed while I ride this out with no income or unemployment benefits. I can now begin repayment because I am employed again but it has taken some time to get established. Credit Karma gives me some piece of mind as to account statuses and all information is up to date and in line with my actual scores. Thank you for having such a great tool available to help people keep track of their credit file information. It will be good to track my debt repaying and see the values drop and the score increase again over time. I can also easily show any creditor that at one time before COVID, how high my score was. You are a blessing in my life Credit Karma! Thank you and keep up the great work!

- Amazing!

At first I was skeptical because nothing is “free”at least in my world. I downloaded the app and next min I am getting my credit score. Then I seen items that are wrong and I disputed them right from the app! I see them removed also!! Amazing right?? Wait! There’s more!! Then I see I can do my taxes and get audit defense for free! So I tried it. I received my refund in 9 days & right to my checking account for free!!!!!!! Credit Karma is seriously amazing! I think everyone should give it a try! What do you have to lose? It’s free and amazing! Did I mention it’s amazing? I am also able to see I am paying a higher rate on my car and CK shows me who can offer me a better rate on the app- I haven’t tried this yet but, I will be soon. I recommend this to anyone! I have family and friends join the CK train also lol! Down load it! What are you waiting for??

- Love!

I love this app! Yes, your scores may be, what feels to you, wildly different. The difference in my two scores is about 70-75 points, but that’s normal. You may also see a different fico score or something from a bank or lender. There are many different places they can pull a score from. I love watching my score creep higher and higher! I have had a couple mishaps in the past with one bankruptcy about 8 or 9 years ago. I have always been curious since then about my credit and was, admittedly, a little hesitant to try this app and see how bad it was! But...not quite as bad as I thought! My scores have crept up slowly and now my lower score is only 27 points away from being “fair” (although it is an estimated score, from what I understand) and my higher score is only 5 points away from the green! (Good) Thanks for the great app!

- Oh how the mighty have fallen

So first want to say credit karma used to be amazing absolutely loved this app until recently. So first problem is I don’t like being lied to and what I mean is I started saving with their savings program and was told a few weeks after I started that cause of the virus I forgot who it was but the email stated the people that set the apt and stuff like that was lowering everything cause of world events so ck dropped their rate from 1.80 to 1.30 and that’s not a problem. A few weeks after that I got another email stating that the rate was lowering again from like 1.30 to 0.56 or something like that yet googling my credit union today their rate is 1.55 and another place I bank with is 1.50 and the first email said banks and everything were lowering that rate yet here are the only other 2 places I use that haven’t. On a side note ck is being bought out by Intuit and they are horrible they say they offer free tax prep but then hide those options and trick people into paying for them when they don’t have too so good luck with ck after that happens.

- You inform us, but we can’t inform them through you

There is a strange occurrence when it comes to credit, and sometimes you throw your hands up with disgust. You do your best to try to eliminate debt, and when a company closes an account because you haven’t use their cards they close your account and your credit score drops . Then your told to use some of your credit and the your score drops again. It seems like you can’t win for losing. Then your told to write all 3 credit bureaus to clear up discrepancies, but if you ( Credit Karma ) can see scores go up and down, we should be able to respond through you, but I guess that may never happen. So that’s why I didn’t give out 5 stars because I believe you ( Credit Karma ) can play a bigger role in helping out with small discrepancies like when a company closes an account with a zero balance and our score goes down.

- Giving my thanks

I just want to thank you! I have been ignoring my credit score for years. I even would ignore credit karma's continuous email notifications. I finally started to open my email alert and would just stare at my score. I felt completely hopeless in ever obtaining a good score. However as your company continued to email me with my score, I had no choice but to face the facts of what was staring me in the face. I never believed or was being ignorant that this company could even help me. Just the other day I finally looked at everything credit karma exposed on my credit and financial history. I found fraudulent credit reports and shocked to see where my email account has been breached. I have taken the recommendations and opened a pre-paid credit card. I felt happy and more confident that I am on the right track to improve my score. I have a lot of work to do. I'm not sure if I'm suppose to pay off old debt or let it fall off my report? What is a relief is I don't feel so alone anymore with this weight on my shoulders. Thank you for your persistence with the monthly email notifications. I have now recommended this company to my children so they to can work towards a healthy credit life. Feeling some relief and I want to do this, Virginia Gilmore

- Verification emails from CK not getting through

Boy credit karma has me in a mess! I was doing my taxes and in order to file them credit karma needed Verification that I am who I say I am. And that’s a good thing. However, for some reason my Hotmail account is not receiving any of credit karma’s notifications. And the verification is sent by credit karma’s notification center not from support. So, now my tax return is out there my payment is out in the black hole and I can’t log back onto credit karma because I can’t get the notification and I forgot my password. I sent a request for help, support got back to me but with an incorrect answer. now I’m up the creek With no stinking paddle. They said they’d get back to me within 72 hours but I have yet to hear from them and this was on Friday the 13th. I know you’re asking, “why did you wait so long to file?”, Because I have to pay! Now not only do I have to pay but I’ll have also Have to pay a penalty. I called Apple hoping perhaps it’s something with the new update and they said no this problem is a credit karma issue. Boo hiss!

- Credit Karma is a MUST HAVE!!!

I’ve found Credit Karma to be extremely valuable in tracking not only my credit score but it also explains the things that are hurting my score and the things that I can do to improve my score. In the last 2 years, with the use of Credit Karma, I’ve learned an incredible amount of valuable information, regarding credit in general. I’ve raised my score from around 550 to around 765 and still steadily growing. This type of credit change would not have happened this quickly, without the information I’ve received from the Credit Karma app. The significant increase in my credit standing, allows me to purchase the big ticket items, such as new cars or a new home at ridiculously low interest rate, which save me 10s of thousands of dollars. Highly Recommend!

- Exceptional

I can’t tell you how grateful I am for Credit Karma. The app works incredibly well. Very user friendly. Breaks down all aspects of your credit report. It sends you alerts and shows you any and all recent changes. Both positive and negative. I went from knowing almost nothing about how credit works, to a full understanding. I love watching my credit score go up and up every month. I was even able to submit a dispute directly to Transunion and Equifax that was resolved in a reasonable amount of time. And that was easy to do too!! I STRONGLY recommend this app to anyone who’s paying for the same service with someone else. Stop! This is free and fantastic! Create an account. You won’t be disappointed. Much love to the developers and creators of Credit Karma. You guys have truly changed my life for the better.

- Nothing but raves from me

I went to buy a car and I was told my credit was 560 and they suggested CK so I can see what’s up and help rebuild my credit. They were spot on, to say the least. It’s a great guide and resource to get your good credit back. I’ve used their credit card suggestions and had great luck- cards with no annual fee and even one with cash back rewards. I use CK to do my federal and state taxes and it’s a breeze! With some work my scores are now over 800 and I am still working on it. I see some reviews saying the CK scores aren’t accurate, that they find out their score is much lower than CK shows. Keep in mind that your Trans Union and Experian scores aren’t your FICO scores and that is what lenders generally base their decisions on. They are two entirely different animals. Anyway, 5 stars from me. I couldn’t be happier with this app.

- True to their word!

I’ve been using Credit Karma for a little over a year now and I can tell you it’s really helping me raise my score. I started out as one of those people that didn’t give 2 squirts about my credit score, until I started to try and apply for loans and financings. Since I started using Credit Karma my score has been raised about 75 points which is not bad considering what it was. I’m starting to feel more positive about my future, and once it’s high enough I’m am buying myself a brand spanking new vehicle, right off the lot with 0 miles to begin with, never in my life have I ever thought I would be able to do it but here I am with an extremely positive review for people like me. If you don’t have The Credit Karma app I highly recommend it. It is a game changer and will definitely help you out.

- Best app ever, helpful for buying a house!

I rarely rate apps but I was just on credit karma checking things out as usual and noticed their feature of seeing what your buying power is when it comes to buying a house. You put in your income and they give you an estimate of what you can afford/how much you can get approved for in a mortgage. Then it lets you stimulate it to see where you need to improve to get a better loan. That’s just one of the amazing features they have! I’ve been using credit karma since they first started up and they’re doing amazing. No complaints at all... I see that they already have an amazing rating but I still had to get on here after seeing that awesome feature and tell you guys (if anyone even reads this) how awesome this is. Don’t trust anyone else with your credit!! Lol

- 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.

- Truly Transformative!

This app has been truly transformative and has taught me everything about credit. Everything I grew up “knowing” about credit was wrong, and this app helped me build my score up from 594 to qualifying for CC’s with no pre-set limit on them. The App Store is full of apps that for you entertainment or social media stalking, but this was truly one that taught me how to be a better, fiscally responsible adult. A broker first told me to go on it when I didn’t know what my credit score is (my first sign of weak credit). I kept getting turned down for rental apartments in NYC and this app help me position myself to be more self sufficient and independent by showing me how to build up my credit. And the Suggested CC recommendations never failed me. Not once. Shout out to capital one for giving me a CC when no one else would!

- Fantastic

Credit Karma lets me view my credit score instantly. And it lets me know what accounts are open/closed. It alerts me if something has changed on my score. It lets me know ways to improve my credit or to help with my monthly payments. And it lets me see everything at a glance as to what credit I have open, how much in total, how much is left to pay off, interest rate, how much in interest via dollar amount, tells me about my credit score, and which months are on time for payments. I’ve already recommended this app to someone. Whether you use this app or just go to the website, I highly recommend Credit Karma. It’s truly a well thought out site. My husband and I are very pleased with it. It does show only two of the three credit reports, just an fyi. It shows Trans Union and Equifax.

- 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.

- Good app

Pros: you can get a great grasp of what your financial profile/credit card usage/factors that affect your score from this app. It’s very convenient to take a glance at your standings. Cons are the app isn’t quite as easy to navigate as I anticipated. There are a lot of great features but they’re not all easily located. It takes a lot of scrolling to find bits of info. Also, the fact that you have to sign in every time if you have to glance at another screen is a bit inconvenient. Unfortunately, the information is not in real time. When you have paid off a card and recheck to see if your score has changed at all, it will not reflect right away, but I believe that’s mostly to do with the fact that companies only report once a month or so. All in all, a very good app to track your credit health!

- One of My favorite Apps. Ever.

I can honestly say that this app is one of a very few I would consider actually life changing, maybe the only ones that! The app has one of the most helpful and user friendly homepages I’ve tried using. They even have people ready to help with instant chat. By far one of the coolest feature is their Credit Hacks. It gives you super awesome hints at how to improve your credit score that actually work and would be very hard to find out about otherwise. I can keep track of my score and it has updates and alerts, credit card suggestions and super easy to read charts. I would recommend to everyone! ❤️ This company has actually had a positive impact on My life! How crazy right?! I would’ve never thought I’d say that about an app on a phone. 5 stars ⭐️

- It’s behind by a couple of months

I noticed a couple of months ago that a loan I had paid off was still showing up as open on the the app. As this was going on my car broke down and I had to buy a new one. Well the loan started reading as closed a week ago but my car loan still isn’t showing up. My auto insurance information is also not changed despite the fact that it was my mom’s insurance and two of those cars are no longer on the policy. I’m hoping this is because of the pandemic that there is a delay in updates and it will be fixed soon. I recommend this app to my mom and grandma as well before the lockdown and both ended up downloading it after the lockdown and I’m disappointed that they aren’t getting the great a accurate information I was getting before. Please fix this and you will have earned your five stars

- A must have

This app helps you get ahead of a credit system that is set up to keep you in the dark and screw you from the get go. With ck you can check your credit any time without penalty’s and get those false reports off your record. I had items on my credit report that weren’t even me and thier was stuff on thier I had already paid off but with this app it allows you to dispute those false reports right from the app. it also gives you all the info for the company’s reporting agents you so u can contact them and straighten them out.i love how as soon as something goes on my report I see it right away. I went from a score of 560 to 740 in less that two years. Thanks ck. You guys have made an app that has leveled the playing field and gives us control of our credit. 👍

- Credit Karma Rocks!!!!👍🏽👌🏽😁

I've been a CK user for a little over 2 years now, thanks to a friend of mine. While at first I was very skeptical about the whole "free" notion, there have not been any hidden fees, recommended pay subscriptions, or other customer costs associated with the CK app. So, it turns out, "free" really does mean "free", who knew?!😂 Most importantly, neither myself nor my friend has been disappointed with their services. The only thing I wish CK had, that it doesn't currently, is the addition of Experian to the app. It would be very convenient and awesome to see all three credit reporting agencies on the app! That being said, I'm sure they've considered it and for some reason or another (likely to do w/$$$) it's just not feasible. And that's okay because even without Experian, CK is still a fantastic app!!!

- Great way to keep your credit score high

Before Credit Karma, I never looked at my credit score nor did I care about it. It wasn’t visually available whenever I needed it so, out of site out of mind. Now that I have the app, I get routine updates, so I know what’s happening with my score. I can see what’s impacting my score in a negative way so I can fix it right away by paying off old debt like, credit cards and student loans. I feel like seeing it makes me more motivated than ever to fix my credit. In 7 months my credit score went up 78 points because of this app. This has been the best and most useful app that I’ve used since apps were invented lol. I really recommend people to use this app to their advantage. Thank you Credit Karma for a happy and healthy credit score :)

- Best Credit Decision of my life

Credit Karma has been there with me from the start of me caring to figure out what my credit score was. I had real low credit and credit karma always gave me advice on how to raise my credit, and that’s just what I did. It’s not a high credit score now, but it’s high enough where I actually get offers due to my credit score. Not only that, credit karma also helped me get my very first credit card. They list cards on credit karma that they think you’d be a good match for. They also tell you what your approval odds are before you even think of applying. That’s really helpful if you’re like me and have been denied credit cards in the past. Credit karma is also great for their free tax service. I can’t imagine I’ll ever do my taxes any other way now that I use credit karma tax. It’s completely free, it’s super easy to do by yourself, and they guarantee you’ll get your max refund. They even have audit protection, in case you may ever need that. Credit Karma is one of my favorite apps. I use it at least once a week. It’s always been very useful with all its pro tips. The free tax filing is outstanding. If you don’t have credit karma, your credit is probably suffering from it. Get credit karma.

- Not quite sure.

We love having the chance to check out credit history. Quite concerned about a big drop in our score. We were told the reason for the big drop is because our bills have been paid 93 months without any late pay’s. We would think that with out any late payments for so long it would help raise our score. My husband was told to apply for a credit card and he went to the bank and asked about it and he couldn’t get one. He was told since he had a card from Sam’s club to get in that we might as well apply for a credit card with them as they have lower standards. We have 2 bank account’s one here in Arkansas and the other in California. We just don’t understand why this has happened to us. Don & Barbara Davis

- Ratings

This app is good except for one or two things 1. It amazes me how when your credit is running good for a year or more your credit score goes up 2 points, 1 point maybe 4 points and it takes each time 2 maybe 3 months for your credit to increase. Yet the minute you miss a payment it’s documented in that same month and your score drops 97 points really!!! 2. I thought your credit was measured by your payment history but every time you charge on your c card your credit is reduced. Again right away. Yet when you make payments your credit takes months to increase. 3. If you have all closed acts on your credit report. Mysteriously they start showing up open and their balance increases by x amount of $ monthly. Again really!! OLD ACCTS should be removed from report not kept on as open with increasing balances. Is this in someway a form of Credit karma making money by opening customers closed accts and not removing them from reports?

- Timing

I love the app and it’s very informative. However I’m only on for like a minute before “write a review” popped up. I get it u wanna be told u r doing a good job but how bout in a timely fashion. I’ve used credit karma before but if I hadn’t I barely had any usage in order to give an adequate review. I believe that if the consumer likes the service as much as I do they don’t need to be told when to give criticism or gratitude it will naturally come at the proper time and circumstance. Or before the client exits site have a closing quick review to evaluate that visit. I love stars too but they belong in the sky; your site is great digital stars don’t make it do and that’s why I’m here opposed to the competition. Just like scores, credit is earned not given and can certainly be taken away. Thanks for reading hopefully lol. -Joshua 😏

- Best way to understand, protect, and build your credit

This app is incredibly user-friendly and shows changes to your credit, reasons for those changes, and if not justified easy ways to dispute any negative changes. It also provides plenty of options to improve your credit. I found this app to be most helpful in understanding just the basic subtle fluctuations in my credit, and the things that make a difference so I can adjust my actions to keep my credit strong. And this app is FREE of charge, which I think is amazing for the value it has for the individual. I’m about to buy a house and having this app and better understanding my credit has been very helpful in that process. The world is sadly based on credit worthiness, so everyone should have this app!

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spicy, but wholesome

Lol this is out of hand. Even credit karma just emailed me about being registered to vote. lol shit is shady af

Tyajah Tierra

Credit karma said, your score went up 40 points this month! Yeaaaahh that credit card life is great.

lil red🥀

I dream of the day my credit karma has a $0 balance🥺


Y’all download Credit Karma and change your bio to “entrepreneur”

DeRico Sanchaz 🦅

I always find credit cards, iPhones and etc and turn them right in because I believe in good karma

Kay Jay 💋

Credit Karma wants me to refinance my car soooo bad 😩 pooh im trying 🤣 February hurry df up !

a d m y e r 💋

@OmgUrFace1 @joseph_c_98 @nanisxo It’s called Credit karma


Credit Karma is shitty!!! Got my damn credit score wrong

President of Thighland

Jesus, I’m getting spammed about registering to vote by & Pizza and Credit Karma. If Pornhub does it, I’m seriously gonna lose it.

🌼 Freddie Brooks 🌼

Credit karma plays you so bad. My score is really 780 and they tell me it’s 758. I wish you could redeem it like reward points

Christina Rose

honestly how did we know to register to vote before snap, insta, facebook, credit karma & every. single. app. told us to??? 🤯 🤯

Pat Harrington

I just paid off everything that showed up in my credit karma in full. S/o to them unemployment I’ve been stacking

Tony Grands

Having good credit is important. I legit wouldn't be able to make any moves if my credit was bad. If yours needs work, download Credit Karma and dig in. Its the best app to get you back on your financial feet.

Metro Zooming 🚀

Credit Karma claims my odds are “excellent” for this Apple Card. is it worth getting though?!


@AitaRyan @whitedolomite @cnnbrk You blamed Obama for global recession that actually happened under G.W Bush. He cleaned up your mess handing to Trump a good start but he wants all the credit. Now look, karma exposed his bs!

Credit Karma 20.39 Screenshots & Images

Credit Karma iphone, ipad, apple watch and apple tv screenshot images, pictures.

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Credit Karma iphone images
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Credit Karma iphone images
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Credit Karma Finance application ipad screenshots and images not ready...
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Credit Karma (Version 20.39) Install & Download

The applications Credit Karma was published in the category Finance on 2012-07-18 and was developed by Credit Karma, Inc. [Developer ID: 519816000]. This application file size is 135.65 MB. Credit Karma - Finance posted on 2020-09-22 current version is 20.39 and works well on IOS 11.0 and high versions. Google Play ID:

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