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 4.0
"We fine-tuned a few features to make the app run even better. Enjoy!
TIP: See an error on your TransUnion credit report? You can dispute certain errors through Credit Karma with just a few taps.
We love your feedback, so share anytime: firstname.lastname@example.org"
Wish score was in line with Fico score
I think credit karma can be useful to help understand your credit with good information to maintain or increase your credit score. With that said,,, I confidently walked into a car dealership with my head up and chest out. I was thinking there's no way I'm letting them give me a bad interest rate because credit karma told me I have a 801 trans-union credit score. The salesman asked how is my credit and with Pride I said 801 he then asked if that was the Fico score or credit karma. I said is there a difference, and he said yes a big difference. He said from his experience credit karma is always much higher then your actual Fico score. He then went to go have my credit checked to see where I was at and what kind of rate I was going to be able to get it. My chest started deflating and confidence lowering as I was waiting to find out what my true credit score is. He was correct, my trans-union Fico score was 737 not 801 as Credit karma said. That's 64 points lower. He was not surprised because he sees that happen all the time. My score wasn't bad so I still got a good rate but he said when people are given a 650 from Credit Karma and their Fico score is in the high 500s it's a problem trying to get a good rate. Because of that experience I'm giving a 2 star rating. If my score was within 10 points of my Fico score I would give credit karma a five star rating.
Like the app
I have been receiving my Trans Union credit score from my capital one card and using that tool to work on improving my credit. I knew the score did not jive with the actual Fico score but I was not aware by how much. I worked hard to improve the score I received through the credit card and I am finally in the excellent category. When I proudly went to refinance my mortgage, I was told my credit was merely fair and was about 90 points lower than the score I was seeing. I signed up with Credit Karma this week and I saw that the Trans Union score on Credit Karma was exactly the same as the score I get through my credit card. Credit Karma however gave me much more information.
It was disappointing to see that my score was so low but at least I was still very lendable.
I guess if I just continue to use the Credit Karma tools and subtract 90 from the Credit Karma score (not being sarcastic) I can get I good idea of my Fico score.
The app is very easy to use and provides a lot of information.
>600 to 760 in 1 year
Can't thank credit karma enough. I had bad credit from a previous marriage back in 2000. My credit was under 600, I had a car repossessed and I couldn't get credit for anything. In 2015 the last of my bad debts were and I hadn't applied for any credit in years. I took a shot and applied for a gas card and got approved for $200. It is now 2016 and I have a 760+ credit score and $80,000 in credit. I am a lot smarter these days and it's all because of credit karma. I was very skeptical but I stuck with it and monitored it very closely. Everything is right on. And although ur credit score may differ from what u see on credit karma, it is very close. Different lenders use different formulas to calculate ur credit which is the only reason why scores differ. Bottom line is if u have good credit, u have good credit. And credit karma is the most valuable tool u can have to rebuild ur credit. I use the app a few times a week and it's invaluable. Anyone who doesn't use it is a fool. Simple as that!