Credit Karma Reviews

I mean zero if I could! I have long struggled with my credit, some due to bad decisions, but mostly medical bills...I decided to join Credit Karma as I was working to rebuild years of low scores...I was quite proud when I got into high 600s and then I started getting all these "suggestions" to open a new, move that balance, then you are approved for this card or "we" credit karma will pay you 50$ (they never btw) and as I was getting close to max they would say it will help your score if you open a new card...so it was constant...Anyway, 6 months down the road I owe more than I can pay! They are all behind and some are now charging me so much interest, late fees and the balance is 3 times the credit line!!! I have too many open and income has decreased significantly...It is a mess.. Don't get me wrong...I am in charge of what I do, but I feel like I was lead down this path of destruction by trusting that credit karma was a good thing!!

The IT person did not help me any of my questions at all. It's frustrating. I with them for an hour and accomplished nothing. Very poor customer service. I cannot say any more. I just needed a help to get my Credit Karma account set up. Nothing done. This person has no experience on IT support at all.

Read the reviews. There are more one star negative reviews than the total two, three, four and five star combined. Says they check credit daily - NOT A CHANCE - they still show a 30+ day balance on a credit card that was paid online in full the day the invoice was received. The site serves no purpose other than to try and entice you into applying for additional credit cards, loans and auto insurance. Seems pretty obvious, at least to me, that Credit Karma makes the majority of their money from redirecting you to these other sites which then will bombard you with spam email to try and get you to commit. Think I’m just a bitter user with low credit score? Current 819 with TransUnion and 830 with Equifax. To me Credit Karma is a waste of time unless you’re just bored and have nothing else to do. Go directly to each individual credit reporting bureau for your accurate and CURRENT information.

I haven’t read a ton of reviews on Credit Karma, but I’ve read enough to know that people sometimes put too much stock in it. I first signed up for CK about 7–8 years ago, back when I couldn’t even get a regular bank account and needed a way to direct deposit my paychecks. I didn’t use it much at the time, but about three years ago I started using it more seriously as part of my credit rebuilding journey. Back then, my credit was in terrible shape.

Credit Karma will send you pre-approval notifications in their app. When you open the notification to read it, they will apply on your behalf for the product without your permission. They deny that they apply and they refuse to make it right. I have never applied for a credit card or a loan through credit karma EVER. Opening and reading a notification from CK is nowhere near the same thing as applying for the service. Credit karma needs to fix this and take responsibility. Now it looks like I applied for CC and a loan I didn’t apply for.

Last email I sent was on the 22 of Aug. I get updates every day from Credit Karma but for some reason for the last month I haven't been able to get a v-code in my email but I never ever had this problem now. So, I have been emailing their support team and haven't gotten any results.

Asides the fact that they steal your info, I can't understand asking for a card transfer of $25k and getting a $2k worth which I had to get another credit repair company to finally fix my credit. I wish I knew all these before using this company.

They will run your credit without your approval. They send you false information. Bait and switch on their ads. Terrible experience. Terrible app. Sent me guaranteed approval loan and credit card offers and then got declined. Terrible Company. Terrible experience.

I’ve spent hours and hours trying to get them to fix a glitch in THEIR system but just wasted 3 days as they don't care and will DO ABSOLUTELY NOTHING to fix their own system. Sent 30 emails back and forth. They state they do not have a tech dept and the ** just send the same worthless answers that actually do nothing. Hundreds of hours working to try to fix it along with customer service, I have given up. Their customer service may as well be ai for the NO GOOD they claim to do. NOTHING!

They give me a auto loan refinance offers with an OUTSTANDING chance to lower my payments and what I get is more credit report inquiries and a very rude response from the Nasa and it reducing my credit score. 😡 I didn’t even really need the loan, but I thought it would be nice to lower my payment. Don’t trust anything on this site…it’s full of scammers who pay CK. 😑