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Credit Karma
Overall Satisfaction Rating
3.22/5
  • 5 stars
    85
  • 4 stars
    33
  • 3 stars
    26
  • 2 stars
    19
  • 1 stars
    63
Based on 226 ratings submitted in the last yearSHOW RATING DISTRIBUTION

Credit Karma

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283 Credit Karma Consumer Reviews and Complaints

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Verified Reviewer
Original review: June 13, 2018

This Credit Karma is total crap. They say they don't ask for my credit card to get my score, lol. That's exactly what it did and when I didn't give it, I didn't get my "free" score, what a misrepresentation if I ever saw one.

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Verified Reviewer
Original review: June 4, 2018

Get the monthly emails like everyone else. Says my score was 760's. Actual score when getting credit run... 705. Talked to 2 guys when house shopping and they said they said this is fairly common. Knock off around 40-50 points and you'll be closer to your actual score.

4 people found this review helpful
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Verified Reviewer
Original review: June 3, 2018

Everything is easy to use and understand at Credit Karma. I like that they email me and provide updates on my credit score. I also like that I can see basically anything I want to via Credit Karma website. It is absolutely convenient and I enjoy using this website.

2 people found this review helpful
Verified Reviewer
Original review: June 2, 2018

My overall experience with Credit Karma has exceeded my expectations. This site is well thought out and provides me with all the information I need. I find the information on their site to be useful and the monitoring of my credit helps me to be proactive in looking for credit issues. I am very happy with the information I receive. Updated and accurate credit report for free as well as suggestions for ways to improve your credit rating, credit card offers based on your rating, and general information about what the different parts of your credit rating mean.

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Verified Reviewer
Original review: June 1, 2018

I like the fact it asks you things from your personal life that only you would know. That way no one else can get in and view my credit score, it's the only website that I actually trust to go on and see my credit score. But when they ask those personal question, there's one I always get wrong and I can't remember it, so after I get it wrong I get locked out and can't keep trying. I just wish there was something else I could do to be able to get in and check my credit score again. But it is the best website that I know of or that I have used. I am satisfied with it.

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Verified Reviewer
Original review: May 31, 2018

Credit Karma is very easy to use. It's semi factual, and accessible both on mobile and online platforms. The website is fast and easy to use. I feel as if the information isn't one hundred percent true, because it's not an actual credit company. But I feel like it's pretty secure and genuine about the results. It gives a good representation on what your credit score is. It also has helpful tips and information. Credit Karma also helps with other opportunities to improve your credit score and how to maintain it. But I would like the website to be more accurate and secure.

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Verified Reviewer
Original review: May 30, 2018

I like Credit Karma. It is free and it gives useful, helpful information that is updated weekly. It also is easy to use and gives recommendations to improve your score. It offers TransUnion score and I think Experian too. But I don't need more credit cards. I don't think they should be a part of Credit Karma. They hurt my credit in the first place. And I would like more ways to improve my score on a monthly basis.

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Verified Reviewer
Original review: May 29, 2018

The website was very easy to use and my credit was made available immediately after logging in. The site includes info from all the credit bureaus. Also gives you a break down of your credit and shows all your credit since you had an acct Like how it breaks down each acct with the length of time it has been open. Accts are easy to read and Accts all are on the same page. But the credit info with the report needs to match the other credit reports. Would like the accounts to be more broken down and easy to read. Should give you more alerts and let you update more often. Should include all 3 credit reports. More info about the closed accounts and less info on accounts. And I would like to be able to contact the other credit bureaus at the same time.

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Verified Reviewer
Original review: May 28, 2018

I love Credit Karma. I have used it for a few years now and it seems like a pretty awesome site. It is very secure and offers you tips on how to improve your credit. They also offer a very secure and safe environment and even log you off if you forget to. That way your password and info stay secure. I have been able to raise my credit score by a few points and plan on signing up for a credit card in the near future to improve my score even more. You can make your credit good within as little as a year using a secure card.

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Verified Reviewer
Original review: May 27, 2018

It is simple to sign up, it is quick to get your credit report, it is free. Easy to access. If you want to pay for the service they give you the option for more services. Can get notifications if pay for the service, to keep up and monitor your score. The Credit Karma site is good as it is.

2 people found this review helpful
Verified Reviewer
Original review: May 26, 2018

It is very easy to set up and take very little time to do. It is completely free and easy to navigate through the website and it give helpful information about your credit score. They send emails and updates about credit score and I like that so I can keep up to date with my credit score. It also shows what credit cards are best for you to try to apply for and which will be more likely to approve you. But I wish there were more information on how to build credit. But other than that I can't complain about anything else. It is a great site to use.

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Verified Reviewer
Original review: May 25, 2018

Doesn't require a monthly or yearly subscription. Don't have to enter debit card number or other billing information. Provides emails with any changes to credit report. However, website could be a little easier to navigate. Doesn't show all 3 bureaus at once. Doesn't offer enough explanation of how credit score is determined or ideas on how to improve score. Nevertheless, it is a secure website with good better business bureau rating. Most recommended credit score and report website. Easy to navigate site. Easy to create an account. Not too many personal questions.

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Verified Reviewer
Original review: May 24, 2018

The Credit Karma site seems to be secure enough for my tastes and I was able to view my credit information and use that information to figure out some financial issues. It's a fast way to get your credit score and figure out how likely you are able to get a loan or anything else that you might be applying for. It was a positive experience with Credit Karma. But I am always nervous about giving out my social security number over the internet as you never know exactly how secure a website is and there's a lot of shady companies out there.

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Verified Reviewer
Original review: May 23, 2018

Credit Karma was easy to use and quick to process. I needed to clean up my credit and it's helping me do that. It helped me deal with my credit issues. It was flashy, and kept my attention. Some parts were a little overly flashy though. Also it was extremely over personal, and I was amazed to find that I had multiple credit reports but it seems a little confusing. I was lost for a portion of the time in navigation. Overall still, it was good although it was a little frustrating, I wish there were more helper tools to keep things moving at a quicker pace.

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Verified Reviewer
Original review: May 22, 2018

I really like credit karma. This is an excellent and a free way to check it my score without affecting my credit. I felt safe giving my personal information, and I can check my score anytime I need to without a hassle. I have the app and I check my score about every 7 days. I use it a lot. And it gives me options for credit cards that I can be approved for. It gives me breakdowns of my credit report. It's not an exact score though, and I would like to know my exact score. But even if it's not exact I still have an estimate. And shows me how I can improve my score. It's a great site.

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Verified Reviewer
Original review: May 21, 2018

My overall experience with Credit Karma has been amazing since I first signed up, they made it super easy and understanding to use. I can do so much on the site like apply for a credit card specifically to improve my credit score. They provide me with the total amount of debt that I am in, just a lot of cool informative things. It offers you to file your yearly taxes free of charge, not many sites have that feature and I think it is amazing. But I dislike how the site has two credit bureaus that are not synced with each other. For example: my Experian score would be 680 but my Equifax would say 720 and the collections are off on both credit bureaus. Otherwise I truly appreciate Credit Karma. It is a safe a free way to stay on track with your credit score.

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Verified Reviewer
Original review: May 20, 2018

You can download the app to check your credit whenever you want to and it is updated very frequently so it has accurate and current information. It breaks it into categories to easily understand what affects your score and how much each category affects your score. If you find something that is not accurate it helps you dispute it with the credit bureaus.

The only thing I don't like about it is how many notifications they send me. Also sometimes I feel like they are just trying to get me to get a new credit card with all the cards they match me up with. Other than that overall I really like it and I am very happy with it. It's very easy to use, reliable and very easy to understand. It really helped me to understand my credit score and what goes into getting that score.

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Verified Reviewer
Original review: May 19, 2018

Credit Karma is a well known company. The fact that many other people use it as well makes me more comfortable. We are able to talk and relate and relay information to other people. I like how it is easy and free and I truly enjoy the ease of access. But I would love to feel more secure and to offered more options for other types of credit scores as well. I would like a more personalized experience where I feel like it's suited for me exactly.

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Verified Reviewer
Original review: May 18, 2018

I have mixed feelings about the site. It is a good way to track your credit score and look at the factors that are affecting your rating. I think overall it is a good tool. The problem I have, is with the "Credit Simulator", which I have found grossly inaccurate. You enter in a "what if" and it tells you how that scenario will most likely affect your score. So, I punched in what would happen if I opened a new credit card with a $500 credit line. It predicted that it would increase my score by 32 points, the effect however, when I applied and was approved by one of their suggested partners, the hard inquiry lowered my score by 8 points.

Do not trust the Credit Simulator, I think perhaps they have a financial incentive for encouraging you to open new accounts with the companies they recommend. Also, I tried to discuss this issue with Credit Karma and there is no phone number to speak to an actual person. The responses to my emails were generic auto-replies that did not address my real issue. So that tells me no one is actually reading them.

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Verified Reviewer
Original review: May 16, 2018

I did my taxes through their system and it did the allocations incorrectly. I then messaged them about this and was told by their customer service that I could file an amendment but they couldn't do anything even though their product put the information in improperly. I put in that it was split allocations but their system put it as a whole and I am still trying to fix their screw up.

2 people found this review helpful
Verified Reviewer
Original review: May 5, 2018

My overall experience was great. The website is generally easy to use, and for the most part is helpful. I appreciate the information they provide regarding my score. I liked how the website not only gave me my score, but it also listed other scores to compare. In addition, the site listed reasons why my score was what it was, provided suggestions for improving it, and alerted me when an event involving my score had occurred. I dislike that sometimes I'd like to see who's viewed my report, what some of my alerts are, and access details to other comparable scores, but the website requires you to purchase these features and I'm not willing to do so.

2 people found this review helpful
Verified Reviewer
Original review: May 5, 2018

I very much enjoy using the mobile android app to regularly check my credit score. I appreciate how easy to understand and detailed everything is. It is a wonderful app and all of the features are great. It was easy to download, very simple, user friendly, and visually appealing. The colors are very nice and easy on the eyes. Also, I like how each credit bureau is broken down simply to show different accounts and their activity. I would recommend it to anyone looking to check their credit score.

3 people found this review helpful
Verified Reviewer
Original review: May 4, 2018

Credit Karma is a great site to join. I love that it is free and you are able to get your report fast. It is an easy site to sign up for. They also give you credit monitoring and emails!

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Verified Reviewer
Original review: May 4, 2018

I had a very good experience with Credit Karma. I use it every year to check my credit report. It is much easier than checking each reporting agency separately. The information provided is thorough and specific information on how to file a dispute is provided even if it is complicated to do. However, it has a tendency to have some outdated information, too many steps to verify identity and complicated process for filing disputes. But other than that, it is a quality site for routine credit checks & credit report maintenance. I like that it is free and you get your credit score immediately. It aggregates reports from all three of the major credit reporting agencies and you can run your own credit report without affecting your credit scores.

2 people found this review helpful
Verified Reviewer
Original review: May 3, 2018

Credit Karma is a great credit checking site, although it was a little difficult to navigate the site at first. It sends monthly updates, is free, and sends alerts when there's been new credit opened or a change in credit use. I can also see how much I have left to pay on a loan. Good information provided, very satisfied with site. I even check out credit card ads to see if there's a better offer than what I currently have. Loan payoff info and credit history is also given. Since it is free to use, there are ads, mostly for credit cards. It updates once a month, which may not be often enough for some users. The site is easier to use on a PC. I have used it on a tablet, but not a smartphone.

2 people found this review helpful
Verified Reviewer
Original review: May 2, 2018

Using Credit Karma was a very good experience and provided with me with new information and solutions on how to build my credit. I like that it provides free credit reports, information, solutions, and suggestions on to build/repair credit. I really enjoyed the site and will continue to use it to keep an eye on my credit score.

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Verified Reviewer
Original review: May 1, 2018

Credit Karma has everything that a paid credit score website would have. It explains why my score is the way it is. I can get an overview of my score and get offers on how to help fix it. It gives a list of the things that's causing my score to not be where it should be. I like their free credit score that doesn't affect my current score. It explains why my score is the way it is and offers help to fix it. It offers cards that I have a chance of getting as well. It's a great site to use and love that it's free. I would even recommend Credit Karma.

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Verified Reviewer Verified Buyer
Original review: April 29, 2018

I changed my telephone number & tried to locate on their site a change of phone number but was unable to locate so I emailed Credit Karma as they have NO phone service. They said they did not recognize my computer & requested my photo ID! I don't trust them. Identity theft, perhaps?

11 people found this review helpful
Verified Reviewer
Original review: April 29, 2018

By opening what we thought was junk mail sent to our address, we learned that the intended recipient had gone through Credit Karma to apply for a loan. Credit Karma apparently sent the person’s application out to lenders (one of whom mailed the intended recipient at our address). With mortgage fraud and identity an increasing problem, we grew very concerned. When we contacted Credit Karma, this is what we learned: You apparently can’t call and talk to anyone (what company operates that way?)

When I sent in a form detailing the above—asking them to double-check the application(s) in this person’s name—they replied, suggesting that we check for suspicious activity in our names/on our property through Experian. SERIOUSLY? They do not take responsibility for a customer possibly committing fraud? They don’t double-check applicants’ addresses (it’s very simple to do)? No concern for consumers/citizens out here. They apparently are part of the problem.

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10 people found this review helpful
Verified Reviewer
Original review: April 29, 2018

Credit Karma is informative and enlightening. I remember using the site because it being advertised, but it is free and that it is relatively easy to navigate. However, I dislike giving the information necessary. I know it's mandatory but this is why I don't use it more frequently.

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Credit Karma Company Information

Company Name:
Credit Karma
Website:
www.creditkarma.com

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