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 3.0.1
We’re excited to debut a couple new features in this release:
1. All new Credit Factors - we break down your credit health at each bureau.
2. Our new super simple registration! New members can zip through sign-up.
3. Streamlined navigation! Everything just got easier to find.
TIP: Your Credit Factors are important areas that could impact your credit score. Remember to check at least once a month!
Stay tuned for more updates. And we love your feedback, so share anytime at firstname.lastname@example.org.
Big difference b/t the credit score they show you & the actual score
I like it for the most part. The things that are on it are accurate because I have checked with both Transunion & Equifax itself. I did the yearly free credit report to check. I like that it's easy to dispute items that are on there and having it update weekly is nice. Especially when you see your score going up. The only problem is that the score that they show is very different than what the actual score is. My husband & I just applied for a pre-approval for a mortgage and they pulled our credit and mine was about 50 points higher than what it shows through credit karma. I don't understand why they can't/don't have the correct score. A couple points different is completely different than being 50 points. I was pleasantly surprised but still, they need to get it together. I will still use the app but I don't care about the scores until they can fix it.
VERIFIED - Credit Score was Way Off!
Over the past several weeks, Credit Karma was showing that I had a poor TransUnion and Equifax credit score based on a poor "Age of Credit History" of under 3 years. This was my first clue that Credit Karma was wrong since I have over 28 years of credit. I decided to verify this by purchasing the official TransUnion, Equifax, and Experian credit scores online for $39 and I'm glad I did because all three official credit scores were much higher (about 70 points) than what Credit Karma shows. In addition, the official credit reports for TransUnion, Equifax, and Experian are showing the correct length of credit history (28 years as opposed to Credit Karma's 2 years and 11 months). Initially, I thought Credit Karma was a great app due to its convenience, but if it cannot provide accurate credit score information, what is the point? I highly recommend verifying your Credit Karma information against the official credit reports and scores.
So far, so good!
Just recently installed this app. Setup was incredibly easy and the overall experience has been incredibly streamlined. Not only do you get your credit scores in seconds, but you receive notice on your factors, that is, areas that will affect your credit score and if you're near the red, how to reverse it. The app says that it will, like the credit bureau's, update monthly--I can't attest to that as of yet because I just installed, but so far Credit Karma has held good on their promise and I don't see that faltering. Thank you Credit Karma for a gratuitous way to view my credit score!