Credit Karma

Credit Karma’s a great tool to see your credit scores. When you sign up, the site sends notification emails when there are changes to your credit profile. On their site they have offers and advice on how to increase credit scores. I rated 4 vs 5 because the site only shows two of the credit bureaus scores and not all three bureaus. When I visit the site, I’d like to see and compare scores from all three bureaus. Otherwise, it’s a great site.

I have been using Credit Karma for free for many many years. I have never felt the need to switch to any other reporting site. They are fairly accurate minus some details I have heard creditors say they saw on my report which I couldn't. The only thing I wish they were more detailed on information on ways to get your score higher. Maybe a bot or something that was detailed on the best corrective actions for your credit besides new cards or loans.

Credit Karma does a great job most of the time. But there's way too much automation and it seems like you're not actually dealing with human beings. I realize they only report my scores rather than creating them but their site can often leave you frustrated such as getting email notifications with links that carry you to the wrong page so you have to manually search the site to see what they're talking about. At times it feels like they're spamming me because there's really nothing there for me to see when I get there and when they offer things like winning money, there's always a catch such as joining to get their debit card which I already have so many debit cards I simply do not need another... and that leaves me out on their giveaway opportunities.

I am a senior citizen and a retired educator. Being of little means, on social security, I wanted something simple, secure and reliable. A few years ago when I was looking for such a way online, I stumbled across Credit Karma. Before I went there, I began the process with another online entity that advertised itself as free, but near the end of that process they asked me how I wanted to pay their processing fee! With Credit Karma, there are no games. What they advertise is what we get. I am very happy with them.

Very satisfied with this service from Credit Karma. Had my return done in just a few minutes. And unlike TaxAct and TurboTax, there was no charge for my filing, state or federal. They both wanted to charge around an extra $40 to complete my filing (because I had a lottery winning). It truly is a shame since I have used TaxAct exclusively in the past.

I had been using Credit Karma for a few months and began getting my check deposited. I took my son out for the weekend and when I returned home I noticed there were several charges that were incorrect. So, I disputed those transactions. Without notice, they canceled my debit card, with no way to access my money. So, after 5 days of figuring out my financial mess they put me in I called to see if there was some way for them to help. Nope. On top of that, I found out that after cancelling my card they didn't even go ahead and send me a new one!!!! So, now I have to wait an ADDITIONAL 14 days to get a debit card. Now, I just went and opened an account so I could transfer my money to a new acct. Credit Karma can't connect with their bank for some only God knows reason...so again NO WAY to access my money and NO ONE to help!!!! Do not use their services.

Despite advertising daily updates, this is not true. We paid off a credit card, paid off a mortgage, paid off a vehicle, and paid down the balance on another credit card. Two weeks later none of this was reflected in Credit Karma. They say that they only reflect what the companies report. Really. In two weeks four major companies did not report these changes? Hard to believe. Meanwhile, when you log into Credit Karma you continue to receive all kinds of "special" offers to refinance reflecting old balances. Clearly these offers are in their benefit. Credit Karma is quick to report your debt, but not your debt reduction.

I've been a Credit Karma user for several years, and lately I've noticed that periodically, maybe every 3 months, my TransUnion score drops by 50 points... and the "recent changes" they report are actually that my debt has been reduced! There is no reason for the score to drop by 50 points in one day, when nothing has changed with my accounts, and I have not opened any new accounts. Then a few days later, my score jumps back up by 50 points. I think they are screwing with me trying to get something from me.... but it is annoying and alarming. It's also strange that my score through Chase Credit Journey is quite different, and my score through Wells Fargo is quite different. I really wish this entire thing was more transparent and understandable... HELP, ELIZABETH WARREN!!!

I have had this checking/savings account less than a year with Credit Karma. Signed up through TurboTax and thought this might be good to Montior credit and also their savings had a good percentage rate. Along the way a couple things here and there that were just A little weird but no biggie. So recently My checking account was frozen. I went to use my card and I was never notified and there was no communication via text email Or anything. I called in. They just said to me somebody is looking into it. And they said here's your Case number. Here I am 14 days later!! Today I was Calling in as a not-so-happy customer as anyone could understand because for two weeks now I've had the same situation every time I call in.

It takes forever to load pages on the Credit Karma website. Slow slow slow and annoying no matter what internet or device you are using. Pages take forever to load. Fix this and credit karma is great.