Credit Karma Reviews

Credit Karma is so slow with credit scores. It makes you figure it out by yourself before the credit is posted, then makes you think you have all this credit you do not have. You could dance a party before credit karma picked it up. If anything be diligent on your accounts. It is just a little chalkboard to look at and don't trust their opinion. All they want is you to apply for a credit cards to make them money.

Suggests loans/cards/etc. with “outstanding” odds of approval. Once you finish the process and have received multiple soft and hard hits to your report, you then find out “nah, we can’t approve that.” Really a time suck of a process. This is clearly just a data farming app. All it’s really good for is monitoring your score. Everything other service “provided” is laughable.

I used Credit Karma to receive my State Refund, and afterwards attempted to transfer that money into my bank account - instead the attempt saw money being drawn FROM my bank account and into my Credit Karma account. When I called to get this reversed as it was in error, I was brought to Jessica M., a Supervisor. Not only was it clear that she was reading from a script, but she insisted that she was the final point of service and would not/could not escalate this further to the actual one above her in Customer Service. Those that use this service should be made well aware of the inadequacies of the Customer Service, as well as the scripted nature of the service in question as well as their refusal to see whatever problems you are having through.

This was the worst customer experience I've ever had. The loan officer, Tate, claimed to be a senior loan officer, but it became very apparent that wasn't true by the end of this experience. I have an 800 credit score and made well over the required amount per month to qualify for a refinance on my house. Somehow they managed to screw up my income with the underwriting process and put in only 1/3 of my total income, even though I had provided W-2s multiple pay stubs and everything they needed. They told me at the end they couldn't go back or change anything about it and they wouldn't refund me my $500 for the rate lock in fee. I will never use the Credit Karma again. They are truly awful.

When I just used Credit Karma to track my scores it was fine, great even. But they have a Credit Guarantee to encourage you to get more credit cards. They say if you are turned down they will give you $50. I applied for a loan with One Main based on that. I was turned down. When I reached out to them they told me I needed a denial letter in order to collect. I have found no way to contact the lender. All the info they sent me kept taking me back to the same page with no relevant info, no actual way to contact the lender except an email they successfully ignore. And an ongoing attempt to work with Credit Karma which does nothing useful. It is my opinion that this us nothing but a scam that will negatively impact your credit if you try to use it.

Credit Karma is the worst Credit helping service EVER! They suggest you apply for things based on your Credit and they aren’t even accurate. How the hell is my credit going to get better if I never get any chances or help from companies? I have had the worst things happen to me in the last eight years and no one will even try to help my credit recover. Credit Karma is a lying ass company that sets you up for the NO ANSWER! They suck! They lie and take kickbacks from companies.

Do not use the mortgage companies they recommend. We got scammed out of our deposit by Better.com. Refinance was not approved but new terms proposed which did not work at all for us. Refused to return our deposit. They do not have integrity with their terms. Complete scam.

Shame on Credit Karma! No access to my Social Security deposit, they froze account with no reason and no notice. Defaulting on obligations and accumulating late fees because no one at customer service can do anything. Stay away! They are worsening my credit score.

Credit Karma is nothing more than a group of fraudulent scammers! They claimed you could sign up for a tax return advancement, however, I haven't been able to log in to the account at all. I have uploaded countless scans of my license (front & back) as well as my face up close. There are no real people to talk to just the same people to chat with after they have all of your information. I don't think a business that asks for your social, license, and personal info should not have a customer service to speak with. Once you ask them about their strange behavior, they disconnect you and send you to another person. No resolutions given at all.

I was locked out of my account because verification texts stopped coming through on my phone. Budgeting was almost nonexistent since Credit Karma bought Mint. Took much longer for balances to update. Pretty much useless.