Make the most of your credit, it's totally free! Start by digging into your credit profile and finding out what goes into your credit scores. Then get important updates with credit monitoring, check out personalized recommendations, even file your taxes for free with Credit Karma Tax.
• Check your scores – Log in anytime to look, it will never hurt your scores.
• Credit Karma Tax – 100% free to file federal and state returns, no matter what your tax situation is. Including live chat, W-2 import making it easy to get your max refund.
• Spot potential ID theft – We’ll tell you when your info is in another company’s public data breach — and what you can do.
• Find $ that belongs to you – Search state databases for unclaimed money in your name. There’s over $40 billion waiting to be claimed!
• Get money-saving recommendations – Use your credit to qualify for lower interest rates and better credit card rewards.
• Monitor your report – Get alerted when there’s an important change to your reports and challenge errors right from your account.
• Review credit tips – Receive helpful recommendations matched to your profile.
Join more than 80 million members on the path to financial progress. Learn more and sign up at www.creditkarma.com.
• Bug fixes and enhancements
Stay tuned for more updates, and be sure to share your feedback at email@example.com.
Ratings and Reviews
It’s one thing to know your credit score, but the real value comes with understanding how that mysterious number is calculated. This eye-catching app offers free credit scores from two of the major credit-reporting companies—a killer feature all on its own—while giving you insight on how to improve your standing. When things like overspending or late bill payments nudge your score down, notifications help you immediately steer your finances back on track.
I have been watching my credit increase over the last two years and it’s been fun with this app. I have opened around seven different lines of credit during this time and most of them were at the suggestion of Credit Karma. I still won’t get the personal loan it keeps recommending but overall it is really helped me focus on my credit score in a meaningful way.
Quick note to the person who’s review I’m assuming will be right below this one, yes your credit scores can be wildly different. My bank provides be with my fico score. My other credit cards provide me with a variety of other scores. And I have seen my Fico score Appear to be about 100 points different as well. That doesn’t mean my Credit Karma is wrong, my Equifax and Trans Union that are provided from other sources are also in line with my credit karma score and my Fico score is still real. Most days my Fico is at least 50-75 points different. They also explain several places that the score is an estimate and the fact that they’re using tools to determine what they think other places will view it as. Credit scores are not completely raw data. Each one uses the information it has and rates it accordingly to its own view. I’ve also had points for my Trans Union and my Equifax Have been 75 to 100 points different as well. It’s not as frequent as the difference between my fico and other scores. Just wanted to add my 2 sense on that.
My honest and personal review
Credit Karma is essential to your credit health. You must make your first payment on any of your loans to have an impact on your score because that’s when the loan companies post. Credit Karma can only post when the credit card companies post so please don’t blame Credit Karma for everything. New accounts do post within the week usually. I’ve followed the advice and recommendations from Credit Karma and have seen my Score increase from the low 500’s to 607 in 6 months. This is the normal time frame and don’t let anyone tell you different. Stay honest with yourself and your credit reports and you’ll be able to sleep at night. I have found no other credit tool to be completely honest and free like Credit Karma. My opinion is that this will be the only credit monitoring app you will ever need. Also, please do wait the 5-6 months before applying for any new credit after you have opened a new line of credit from anyone. I learned this the hard way only because I’m stubborn and now I am going to wait the year for all my hard inquiries to fall off of my report because too many hard inquiries do, do damage to your score. Patience and a steady pace works best for improving your score. I’m aiming for the 800 club and can’t wait to be able to reap the rewards. God Bless to you all for taking the time to read my personal review and I’ll meet you at the top.
With Family Sharing set up, up to six family members can use this app.