Intuit Credit Karma App Reviews


Intuit Credit Karma App Description & Overview

What is intuit credit karma app? Get everything you need to outsmart the system with Intuit Credit Karma:

• Insights: View all your linked accounts in one place and uncover new ways to improve your finances.

• Free credit monitoring – Get alerted when your score changes, learn what affects your credit scores and get tips on how to improve.

• Advanced Cards and Loan Marketplace: You can find the best credit card and personal loan offers for you and see the specific credit limits, exact loan amounts and rates you could get approved for.

• Net Worth: Track your net worth, monitor your categorized monthly cash flow, find opportunities to save money and learn how to navigate complex financial decisions.

• Credit Builder*: Boost a low score by an average of 21 points in 4 days.**

• Checking: Direct deposit your paycheck into your Credit Karma Money SpendTM account*** and you could access your paycheck up to two days earlier.****

• Drive Score: With a good drive score, you could save big on car insurance from a nationally trusted provider.

And much, much more. Just simply download the app to get started.


*Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply per account. Credit Builder is not provided by MVB Bank.

**A connected paycheck or one time direct deposit of $750 is required for activation. Credit Builder plan is serviced by Credit Karma Credit Builder and requires a line of credit and savings account provided by Cross River Bank, Member FDIC. Members with a TransUnion credit score of 619 or below who opened a Credit Builder plan and had it reported on their TransUnion report saw an average credit score increase of 21 points in 4 days of activating the plan.

***Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply.

****Early access to paycheck is compared to standard payroll electronic deposit and is dependent on and subject to payor submitting payroll information to the bank before release date. Payor may not submit paycheck early.

Some screen images are simulated.

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 Karma Insurance Services, LLC. CA resident license #0172748.

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App Name Intuit Credit Karma
Category Finance
Updated 18 June 2024, Tuesday
File Size 138.71 MB

Intuit Credit Karma Comments & Reviews 2024

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

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

Credit score !!. The credit score ratings are old and outdated information that is at least 3 months old !! I had credit inquiries almost a year ago that are still being used against my credit scores ! I hope that by November that will be eliminated and no longer be a mark against my credit!! They continually are sending me messages to get new and more credit cards which makes me wonder if the recording agencies get a kick back from the credit card companies!! I refuse to over extend my credit allowances for anyone’s gain or profit!! Especially when they want me to get a credit card or personal loan for an interest rate that’s higher than I am currently paying!! Seriously ??? My credit is good because I manage my credit, my money, and my future responsibilities appropriately!! I always have and I always will !! Period !! So, as licensed credit reporting agencies ,they should be giving good credit advice and guidance to the people!Especially the young people just starting out and need guidance on how to use their credit responsibility and to not ruin their lives by over spending!! That’s called leadership by example and education!! The future leadership of our country is the elders responsibility!! Grasp that and follow through !!!

GIVE IT A TRY!. I’ve always heard people say this isn’t real. It doesn’t work, go pay for someone to “fix your credit”. I have been using CK for almost a year and they really help you understand credit, advise you on what to do, gives you suggestions and it has helped me raise my score by almost 70 points. My score had tanked because I lost my job, made some car payments late and got behind a bit. It helped me keep track of my payments and also allows you to dispute information that isn’t correct or is outdated FOR FREE! I was even approved for a 1000 credit card line because of the work I have put into rebuilding my credit. I really wish they started teaching this in 8th grade and carrying it into grades 9-12. I never knew anything about credit, credit scores or how it truly affects your financial health. My goal is to buy a home with land, and I see that dream getting closer and closer. Thank you CK for offering the tools to help people and being genuine about it because not everyone can afford a $100 payment monthly to do something you can do on your own if you are literate and learn how to control your credit. Take back charge over financial well-being. I have!!

REAL RESULTS, POSITIVE. Only one time before have I been so impressed, enough so to take the time to leave a review instead of only rating. Having this app is helping me improve my credit! I have been using it for 9 months, and my results are increases of 18pts last 3 months, 36 pts last 6 months, and 68 pts total increase from what my score was 9 months ago when I started using the app! Before, I was like the commercials letting my credit run wild with me completely ignoring it, rarely thinking about it. But now, the app is so easy to use and convenient, I click on it maybe once a week or every other week, take a few moments to review it, and check my new higher than before credit scores. I like seeing when something on it ages and comes of of my report or is about to come off. I’ve also been able to find charges negatively effecting my credit that I am about to call the creditor and inform them of mistakes of billing me instead of our health insurance company. I like the praises the app gives me for doing well with my scores. Thank you so much, credit karma! Soon I will be able to buy a house with a low APR, instead of being trapped in a long term high APR loan!

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

Credit 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?

Not impressed. I used Credit Karma maybe once every few months. It isn’t an app I need often and I thought things would change when I heard I was being forced to abandon an app I’ve used for decades to switch to this. Since CK is only bringing features every other generic spending app will bring as well, I have to say I’m confused. A lot of people used Mint for the budgeting features and CK doesn’t even have them. On top of deleting my favorite features, I’m now getting 3x the amount of emails from CK asking me to check back in, to finish this or check something else out. I am not interested. Everyone knows what your app is for and what it does, and the “best of Mint features” you are adding are *not* in fact the best features, they are leftover functions that again, any basic spending app will have as well. I have had to continuously unsubscribe from different CK emails and I’m considering shutting down my account entirely at this point. I am so incredibly disappointed, Mint was an incredibly original and useful app. Now I have CK that will tell me what car insurance and credit card is best for me. I work from home and don’t have a car, and who buys insurance through a phone app? Did it not occur to whoever made this setup that people used the original Mint features to help improve their financial life, not find ways to open more credit cards or lines of credit that will make their credit score worse?

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.

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

Honestly not really a fan. Like a lot of people I switched to Credit Karma when mint was shutting down, and i guess it works for what it was intended to do. I can see my rough credit score and track my various investment accounts, including balance on Coinbase which a lot of similar services don’t do yet. That being said its a very ad heavy app and its terrible at refreshing data, most of my accounts are 2-3 days behind makes tracking my banking an credit accounts relatively pointless because a lot can happen in 2-3 days. I assume that CK is using the same process mint did to link accounts as they’re both intuit products but something needs to be done with the refresh rate. But my biggest complaint of credit karma, and its the same as a lot of people, is that it does not offer a budgeting feature like mint. I know when the shut down of mint was originally announced, we were told custom budgeting would not be available but it could or would be in the future. Make that priority, that was the primary reason for mint. It was a light weight, centrally located tool to track expenses and mange your money. The credit score and net worth calculations were icing on the cake and not the reason people were using it.

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

If you have bad credit please read. I figured I would write a review, I normally don’t do this. 5 years ago my credit was so bad it rated at the lowest it could possibly be. In fact it was likely below the lowest rating. I got this app and finally I learned how credit worked. Prior to the app I had no clue. I immediately started making the suggested changes. This app helped me understand how Credit works and what you can do to immediately take action. Within a month my score increased. It was still terrible BUT I saw it work. Within a year I moved up to Fair credit, I never imagined I would even get that far. It motivated me. So I kept on using the tools provided. My credit was so bad it did take time, however as of today I have excellent credit at nearly 800. I no longer had to search for co signers or be concerned that I couldn’t get a loan if I needed it. (My Fico score is also excellent). Had I not bothered getting credit karma because I thought I couldn’t fix it I would have still been drowning in bad credit. If you think you can’t fix it and your credit is so bad it can’t be repaired you are wrong. If I could get out from under it so can you. Get the app. It works.

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!

I want Mint Back. I never write reviews, but this really just put a damper on my whole day. Mint was the perfect money managing app, and I genuinely have never had complaints. I loved how perfectly user friendly and customizable it was, as to what you view and manage on a day to day basis. The simplicity and navigation was beautiful. But now I’m shocked and beyond disappointed that they took such a perfect app and moved it to Credit Karma. This is honestly the biggest mistake and downgrade they could’ve made. The Credit Karma app is basically the complete opposite of what Mint was. It’s ugly, there’s too much to look in weird and hidden areas, it’s not user friendly or customizable and worst of all, half of it is just trying to sell me on a new credit card I don’t need. Was it not enough for Credit Karma to send their weekly email telling me my credit score has changed when it actually hasn’t? I want to manage my day to day money and see what I have in my everyday accounts. Not how much debt I’m in from student loans, bulldozing over everything else. I’m already on a payment plan for that, and will be for 20+ years. Incredibly unhelpful to see giant, negative numbers when I just want to do my monthly budgeting and check on my checking and savings accounts. I hate everything about this switch. BRING BACK MINT!!

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.

Bryan Sanders. The two Capital One cards are cards that we use to put all our monthly expenses on. We receive points and money back by using these cards! Then EVERY Month we pay them off in FULL!!!! The two Auto Accounts are for Brand New vehicles that we use in our Delivery Business! We have 12 Vehicles, only two are financed and only 60% owing! All the rest, 10 are PAID in full!! The Sleep Number Account, is a 6 year No interest if paid on time, which we do and 80 % PAID off! What do we have to do? We make all payments on time, we have never missed a payment. We keep our charges down to a minimum! Our net worth is over $5,000,000! I don’t understand why we are punished like we are? But I am beginning to not care! No matter what we do it’s not enough under your system!!I I guess you just have to pay CASH for everything but then you would say we never have an Account that we made payments on so you can’t give us any credit ratings! I am sure this won’t change anything but it made me feel good writing it!

LIBERTY. Credit Karma has been an AbSOULute GODSEND!!! Credit karma helped me discover a $20,000 DEBT(reported as a charge off)…FRAUDULENTLY reported. The lender reported a… $20,000 DEBT-CHARGE OFF(reported AUGUST 2022)…while the vehicle was STILL in my possession(prior to ANY notices). The vehicle was not repossessed until January 24, 2023. $16,000 CASH was put down day of purchase. I had even made payments September, and double payments October. The lender accepted the payments while too…my online account reflected a completely different status.I had ZERO KNOWLEDGE when making those payments and still having the car… that the lender had reported a $20,000 CHARGE OFF, in August of 2022. The dealership-lender have created an ABSOLUTE DISASTER. It’s the most CHAOTIC and DISGUSTING experience, I’ve experienced as a consumer. Words are not able to express the ANGUISH , DISTRESS & TRAUMA their… ill doings….have caused me. The vehicle should have been, PAID OFF, in full…LONG AGO. The dealership led me to believe, that I was signing for/put into a $10,000 LOAN after having put $16,000 CASH DOWN. if not for Credit Karma, I would not have discovered the ADDITIONAL FRAUD. I Thank God for Credit Karma 🙌. ~Grieving Consumer

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

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

Over a dozen direct requests for support and zero help. Credit Karma implemented a change to their dashboard to market the tax filing option and placed a new feature that apparently estimates annual income on their App dashboard to entice clicking on it. When I was presented with wildly incorrect information showing 1/4 of my actual annual income that I report when filing my taxes, I felt it destroyed the customer experience and immediately reached out through all the correct channels of chats and emails to support creating support tickets and discovered that the agents involved had virtually no understanding of how the Credit Karma App or how credit reporting in the United Sates works and no ability to escalate a concern to Credit Karma Management or their legal department. I followed up by trying to contact the Credit Karma Leadership and Legal Departments about these failures and have received no resolution. I have elected given no choice but to cancel my accounts with Credit Karma after 8 years of loyalty because of the lack of accountability, professionalism, and customer service. I would highly advise anybody to take into account the sketchiness, and apparently totally disconnected support, customer service and the lack of being able to contact the legal department Credit Karma before using their application or services.

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

Don’t trust this anymore. They recommend credit cards with a promise to pay you $50 if you are denied. According to their recommendation you you have an excellent chance to be approved. Not only was i denied the card they recommended but my credit score went down 42 points just for this one credit I applied for based on their recommendation. I attempted to contact them via their chat but as soon as I explained how my score was extremely negatively affected they responded with we will contact you by email and they abruptly closed the chat window . The drop in my score was instant but it didn’t show up on my credit karma app. I was notified by lending tree via email that my score dropped significantly from the hard inquiry. I am highly suspicious about the relationship credit karma has with the credit card companies they recommend. I don’t apply for credit cards that charge a large yearly fee. I applied for this particular credit card which had a yearly fee of $39. When I applied and was denied , the same credit card company offered me the same card for a $75 yearly fee the first year and then $99 yearly after the first year. This is a bait and switch. I intend to report them to the BBB and I also intend to leave negative reviews on every possible platform I can use . My score on all three bureaus decreased. My new low scores are reflecting on the lending tree app and the kikoff app I subscribe to but still is not reflecting on credit karma.

Great Company. I've been using the Credit Karma app for a few months now and I have to say, I'm thoroughly impressed. The app provides me with up-to-date information on my credit scores from two of the major credit bureaus, as well as helpful tips and suggestions on how to improve my creditworthiness. I also like how the app sends me alerts when there have been any major changes to my credit reports, which gives me peace of mind and helps me stay on top of any potential issues. One of the best things about the Credit Karma app is that it's completely free to use. I never have to worry about hidden fees or charges, which is a refreshing change from other financial apps I've used in the past. The app is also easy to navigate and use, even for people who may not be very familiar with credit reports or financial terminology. Overall, I'm very happy with the Credit Karma app and would definitely recommend it to anyone looking for a reliable and user-friendly tool to manage their credit. Whether you're looking to improve your credit score, keep tabs on your financial standing, or simply learn more about your credit reports, the Credit Karma app is definitely worth checking out.

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.

Overall Disappointed. I, like others, have used Mint for years for budgeting. In fact, recently I began to look at other budgeting apps to use and came back to Mint for its simplicity and utility. To quote the words I said to my wife, “looking at other apps made me realize how much I love this one.” When I saw that Mint was going to be switching over to CK, I wasn’t sure what to expect. CK has nowhere near the simplicity, utility, or functionality of Mint. Why can’t companies like this do what works? The way it comes across to me is that in the name of ingenuity and advancement, Mint has forsaken their original business model to pander people. Refusing to stick with what people want, they’ve partnered with every credit card, loan office, insurance agency, and bank on Earth to panhandle people who want to take their finances seriously. My family has relied on Mint for easy budgeting and has reduced the financial stress many months by allowing us to easily categorize transactions and delegate resources at a glance. Now, when I open CK, I get bombarded with loan offers, credit cards, and other advertisements and have to sift through them to take a narrow view at my finances. Mint was my trusted advisor and consultant but has now turned into a massive campaign of pushy sales people who won’t get off my doorstep.

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!!!

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

No Advance, False Advertisement. If you are wanting to open up a credit karma account just to get the advance through turbo tax. Do NOT waste your time and money!! Turbo tax makes you open an account with Credit Karma saying that you can get an instant cash advance. That’s a lie. I was told I was approved for the loan. After I opened the account. I did not get any email about it, nothing. A few hours later my return was accepted by the IRS. So I’m hoping that initiates the advance information or something. Still no email. I log into my CK account. It has no information about rather I am going to receive the advance. Or no info that I even applied. Just the same ol’ FALSE advertisement. If you apply with us, you can get an advance. Five days later, no info. Just that my debit card was sent to me. If you are looking forward to the advance, go through someone else, they are using this as false advertisement so they can get ppl to open an account, put their tax money in it, and collect fees from them. I’m going to make sure I give them NO fees. Just transfer my money into my checking account, and I’ll wait the business days. We should be able to sue for sale advertisement. If there was no advance, I would’ve went through my Bank of America account. That was a complete waste.

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

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.

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

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

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

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

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

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

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

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

Credit karma is a must!!. I can’t say enough good things about credit karma. Having the accessibility and visibility to my credit report and associated factors allowed me to take control of my debt and actually get on top of my finances. Plain and simple. It’s extremely hard to understand your financial position without having the full picture in place, and credit karma provides that full picture in an easy and intuitive interface. When I first started using credit karma, my credit was in pretty bad shape. Credit karma taught me the impact that certain factors have on my credit and provided the guidance I needed to focus on the factors that have the most impact. I’m fortunate to say that my credit is excellent now and I’ve always recommended credit karma to friends and family that have expressed concerns about their own credit score. When my younger brother was thinking of buying a house to start his life with his family, he didn’t know where to start and had no credit to his name. I turned him on to credit karma and within a year he was able to establish enough credit to get approved for a mortgage loan. If you want to get serious about your credit score and need some guidance, credit karma is your friend!

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

Horribly disappointed!! Use Rocket instead!. I was using Mint for a long time which is now transferring to the credit karma app. While I understand they probably want to keep all their customers in one place rather than spread out along the different companies they own, it’s nowhere near anything like the Mint app!! Mint was a budgeting app that also let you track your credit & so much more while Credit Karma is just an app that tells you how much money you’ve got/spent and what your score is so that you can sign up for this card or that card or this insurance. It literally went from an app that allowed me to budget my money every week, see what was costing me the most, what made me happy or unhappy about my spending, set goals to stay consistent with my savings plan/retirement, categorize charges properly (they removed about 6 categories & can’t make custom categories anymore either). Everything about this app consolidation went completely away from helping its customers become really great at budgeting and sent us into a marketplace for what credit card or insurance we don’t wanna buy. Shame on you credit karma for getting people to finally become more financially responsible and knowledgeable then forcing them to stop just because you want them to sign up for a product with you!!

Just Wow 😮. Credit Karma is phenomenal!! Let me just start there. Ever since I’ve downloaded the Credit Karma app through recommendation, it’s been one of my greatest habits. It makes it so easy to stay on top of your credit score, watching for increases, decreases, hard inquiries, new credit accounts, and settling disputes or debts of formerly delinquent accounts- Keeping a better score has become effortless at this point🙌🏾🔥🔥. Like my score has so significantly improved since I made Credit Karma the watchman at the door of my credit house!! It’s amazing! Just prepare for times when your score decrease because that will happen, that can be attributed to life and no fault of the app- However because you’ll be so accustom to you score increasing, due to the efficiency & assistance of Credit Karma, it will be emotionally unsettling. Enjoy the app, and treat the person that recommended you to Credit Karma… Trust me, you won’t thank them enough( you also should recommend the app to others, so you can be a part of the Credit Karma! You’ll get several of thanks & applaud for just referring them lol). All thanks be to the Most HIgh God and my lovely wife that referred me. You guys are awesome!!! 👏🏾

Welcome to Your Existential Crisis. On the one hand, this app does a great job of helping you build your credit score. On the other hand, it just kinda emphasizes how dystopian and ridiculous this mandatory-participation credit score game is. Why are we allowing these corporations to place our ability to access basic human necessities in a chokehold based on things like, oh no, you used 31% of your available credit limit and not 30% (even though you pay it off entirely on a monthly basis) so now we’re going to drop your corporate-sponsored grade point average that determines whether you’ll be allowed to live inside? Try harder next month! And like the worst App Store puzzle game of all time, this game also requires constant attention and monitoring that is, of course, uncompensated time. No gold coins for you! Also the chat bot auto fills your questions for you, so you never get to ask questions like, “why do these corporations exist in the first place?” “What even is the origin of credit scores?” Or even “Who voted that these corporations get to control our lives in ways even our government won’t, isn’t this supposed to be a democracy?” So yeah, this app is great but also… help?

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’.

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

It’s good but not perfect. It’s been a few months and editing my review. I only switched because Mint was going away. Overall, I like Credit Karma and it has some positive features especially Credit Score & Report. However, it’s missing one key thing…. I CANNOT see historical spending insights! You cannot filter to see a specific month or go back to previous month. What I like most is that Credit Karma simply shows overall how much you spent by category, how much you earned, and what’s left over at the end of the month. BUT if you don’t view that it on the last day of the month then you are out of luck! Coming from Mint I had a bunch of custom categories but I don’t miss them (to be honest it’s simplified my life to have less custom). I had rules to remember merchants to be recategorized but that didn’t always work anyway. I had a budget tool but I was constantly shuffling funds (i.e. I spent more at restaurants so had to reduce shopping budget) so was wasting my time. I don’t miss mint too much and I’m happy with CK but not being able to view historical months data could be a deal breaker for me because I can’t always login on the last day to see my net cash flow. CK does do historical chart for spending which is helpful but doesn’t do the same for net cash flow.

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

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

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.

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

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

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

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

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.

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!

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

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

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

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.

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.

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.

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!!

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

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.

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

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.

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.

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!!!!

Past year’s taxes. Went on credit Karma to get a past year‘s tax to look at it for something and found out that I cannot do that anymore that I had to download some new money app that you are requiring us to download to get these taxes. Did everything they said download the app went into the tax part to do the preliminary this years and then it was supposed to bring up a prompt for last year‘s but that didn’t happen went to customer service and they were absolutely worthless did everything they said to do and nothing so I cannot retrieve my taxes that I’ve been filing with credit karma for the past four years very disappointed don’t know what I’m gonna do probably not gonna use Credit Karma . That’s not the right way to do something to make someone download an app to transfer money and everything else when we have much better ways to do that since then I’ve deleted that app and will not use it very disappointed been using Credit Karma for years

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

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

Credit Karma review. I’ve been using this app for more than 7 years. It has been quite helpful. I’ve not had any negative issues with CK itself. It’s been very helpful in coaching me on ways to improve my score. My score is over 800 for more than 2 years now. One feature that is somewhat bogus is the driving score keeper. You can allow them to monitor your driving for the purpose of proving you are a safe driver. I needed to use GPS directions recently. Each time I needed to look at the phone, I pulled over to check my progress. After the trip I found they had penalized me for each stop and added the suggestion: “you should pull over if you have to use the phone’. I scored a 93 on every trip, but then was averaged to a 91. Elsewhere it was reported as an 85. ??? My car is 20 years old and my record is completely clean, so far I don’t see this feature as worthy at all. I’ll post another update if any savings turns up from it. So far, not so.

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

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.

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

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

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.

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

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.

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 😊

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.

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

Getting Approved. Credit Karma is looking good so far I opened the link to apply for a Capital One silver credit card, i got to the verification section of the application which had me verify my identification, had to grab my state ID. Phone locks and the Credit Karma app restarts my entire application. While unlocking my phone the Credit Karma app is still on screen but went out of the entire link to Capital One credit card application. So, I retype my information in from the beginning to end. After filling my application out not twice but four times the application failed said I was unapproved for the Capital One Silver card because of my attempts to do it. Is there any way that the app can fix this problem? If I am not on the app for more than 5 minutes my information or application process will not be saved? iPhones can lock n 25 seconds. Doing the application four times is cool but getting approved first time then denied 5 minutes later through the application as it’s restarting the entire application isn’t civil.

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.

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

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.

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!

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

Credit Karma. Best app to monitor your FICA spending habits and debt owed to banks that lend me money and credit cards available to consolidate your loans for better rates. This gives you a summary of your finances accumulated during your busy work schedules and warns you if any suspicious activity is happening with your credit history that may lower your FICA score. Companies sometimes can affect your credit score running your SSN when you plan to buy a large transaction. Beware of giving information to creditors trying to access your financial history when you are looking for a home or loaning from a dealership. This app gives you eyes on your CREDIT transactions and advises you what to do to get better standing to raise your FICA score to excellent rating. I give 5 stars to this application I always carry with me when you plan to buy a house or apply for a credit card with promotional deals from banks. KUDOS to Credit Karma ❤️❤️❤️

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

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

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

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.

Confused yet understanding. I’ve been on this app for quite some time and overall I find it an interesting helpful tool when it comes to keeping an eye on my score. It works. But aside from this credit scores are a scam . They simply don’t and won’t work ever in your Cavour but a method of keeping people down . It’s an illusion and falsehood that having a credit card and paying full balance on time aids in higher scores. It doesn’t ! What it does is provide agencies with an excuse to deflate your score based on a debt ratio to your overall credit availability balance. So the idea of using a card to show on time payments isn’t what agencies track . They track that you are spending and will use it to deflate scores which never climb back to the original score even after a month of having zero balances on these cards . Complete joke and useless to anyone trying to get their score higher. Mine is at good so it’s not that I’m bitter and resentful here, I’m just pointing out how this score scam works .

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

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.

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!

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.

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Intuit Credit Karma 24.25 Tips, Tricks, Cheats and Rules

What do you think of the Intuit Credit Karma app? Can you share your complaints, experiences, or thoughts about the application with Credit Karma, Inc. and other users?

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Intuit Credit Karma 24.25 Apps Screenshots & Images

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

Language English
Price Free
Adult Rating 4+ years and older
Current Version 24.25
Play Store
Compatibility iOS 15.0 or later

Intuit Credit Karma (Versiyon 24.25) Install & Download

The application Intuit Credit Karma was published in the category Finance on 18 July 2012, Wednesday and was developed by Credit Karma, Inc. [Developer ID: 519816000]. This program file size is 138.71 MB. This app has been rated by 6,825,917 users and has a rating of 4.8 out of 5. Intuit Credit Karma - Finance app posted on 18 June 2024, Tuesday current version is 24.25 and works well on iOS 15.0 and higher versions. Google Play ID: Languages supported by the app:

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Other Apps from Credit Karma, Inc. Developer
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Intuit Credit Karma App Customer Service, Editor Notes:

Thanks for using Intuit 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

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Find on this site the customer service details of Intuit Credit Karma. Besides contact details, the page also offers a brief overview of the digital toy company.

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