Credit Karma - Free Credit Scores, Reports & Monitoring
By Credit Karma, Inc.
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Get to know your credit. Credit Karma is the free, effortless way to stay on top of your credit. Get always-free credit reports, credit scores, and daily credit monitoring. Making sense of your credit has never been so easy.
Free, Helpful Features for Your Credit:
• Free credit scores & reports - updated weekly
• Daily credit monitoring
• Tips on how to improve your credit health
• Personalized recommendations
• Tools to track all your reported accounts in one place
CREDIT KARMA HAS BEEN FEATURED IN
• Wall Street Journal
• USA TODAY
Credit Karma is both a free consumer service and a personalized marketplace. We provide more than 40 million people with free credit scores, reports and credit monitoring, and we specialize in helping you find financial products that fit your specific needs. We believe that taking charge of your credit and reaching your financial goals go hand in hand. To learn more, visit www.creditkarma.com.
Frequently Asked Questions:
Q: Is Credit Karma really free?
A: Yes. Credit Karma will never ask for your credit card information.
Q: Will accessing my credit report hurt my credit?
A: No. Checking your own score on Credit Karma does not negatively impact your credit score.
What's New in Version 3.5
We’ve made some upgrades!
Native Personal Loan Marketplace: Easily tailor your search and find the right fit.
Stay tuned for more updates, and be sure to share your feedback at email@example.com.
Great App Great idea to manage Credit
I guess maybe the commercials really sold me into loving this app. Great marketing. I have a few secured MasterCard's and or Visa's from who maybe their middle men or investors and my credit score has gone to very poor to fair in a matter of 2 months! Even though you do have to pay a deposit when your approved, like a prepaid card, but it's worth it. I'm so happy that these "secured credit cards" really do help rebuild your credit it truly works. I also love the fact that you can dispute any outstanding accounts or accounts that are in collections. One account has been formally closed and after that my credit score increased because it truly was a debt that I should not have had to pay. I have another one being disputed by my old dentist who knew I was moving and not working and very sick but he or his office still tried to charge me $400! Now I owe more $600 hoping for a great outcome for this debt. Credit Karma really does help but be careful with how many credit cards they do offer you to rebuild your credit or you'll end up with more debt.
Wow. If you do care about your credit, and you do want to continue improving it, do anything else but listen to this big corp lobiests, that are selling you free credit report check in exchange for a free advertisement to lure you in to problems. U USE THEM. Credit monitoring YES, but nothing besides that. All the advices, like age of acc, how to improve, number of acc....ect. Thats all to lure you in to applying through their application for some of their contributors credit cards, stating that you have GOOD chances in getting approved. Now. When you know your score, and all the facts, It takes just a small little push from this guys to screw you over in to an inquiry that is one of the big factors of maintaining your excellent credit. My credit is excellent, I wanted a specific card that had some miles reward that I was planing of using. Credit Karma says, Oh hell yeah, you will get approved "Good Chances". They say response in 60 sec. It took them 9 sec total to say that I was not approved. What a joke. Extra inquiry on your report that will stay for 3 years. JOKE. It was naive of me to even deal with this. This is why I deleted the app. You should do the same since there is no other way to punish false advertisement. BE WARE
Lots of room for improvement...
I found Credit Karma about four years ago and LOVED it. This was before they had the app. The website had all the bells and whistles of credit 101.
Change is not always good.
Over time, they have changed the website quite a bit and created an app. The app is ok. I see a lot of reviews that find this app to be so helpful. The mock score they give you is not the only thing you should be looking at when monitoring your credit. You should be reviewing every little detail. The CK website used to allow this and it would be great if they would bring it back, and add it to the app. I enjoy the app for the ease of use, being on the go. But the data certainly isn't current. I've made significant changes with my credit and would wait and wait for the change to finally reflect on my CK scores.. Nothing. Sometimes my score never updates and sometimes it takes weeks or months to show significant changes.
I appreciate that it is free to use. But one more thing- they have to pay the bills somehow. Ever notice how many offers there are for credit cards and loans? It's almost to the point that I don't even bother using CK anymore, it's bogged down with all those offers in hopes of someone clicking on them and applying. The point is to help people monitor and improve their credit, no? Baiting for applications just doesn't seem like the best approach if that's really their goal.