Credit Karma Reviews

Credit Karma has its uses in keeping track of spending, assets, income and credit as well as helping to determine not only your credit worthiness but your net worth as well, however they do miss the mark far too often when it comes to updating overall credit limits and backing their guarantee to award $50 if they guarantee a credit approval and you’re declined. You must also be on the side of caution if you use their banking as a hub for all of your finances because they have very poor customer support skills!

I would give rating of --fffff if I could. Spent over 4 hours to verify myself on online chat since they have no actual phone number and they will not call anyone. I did have an account with them, but within last few weeks I could not log on and verify myself.

Credit Karma and the lenders' only concern is making money. In the process of an inquiry 2 hard credit reports were ran unknowingly. They are blurring the line between inquiry and application and abusing their customer by this procedure by clicking a link for more information. Credit Karma and lender were notified but still ran a 2nd credit report. That is bad business and nobody wants their credit to be negatively impacted by taking advantage of their customers.

Credit Karma is horrible. I am proud of my Credit Score and always pay everything on time and even ahead of time. I may spend a couple thousand dollars but I pay them before they become due monthly. Credit Karma takes my Credit score down every month because I spent more money. I can afford to spend more money.! It's all paid for on time.

FRAUD AND SCAM ALERT! They offered 4.94% 48 mth auto refi through Autopay. They got me. I have FICO scores over 800. I now have a hard credit pull and an offer for 6.25%. Just read an article from the Federal Trade Commission, CK has been doing it for years and already been fine $3 million. Hindsight 20/20. Stay away!

Filing taxes used to be free for me. It was last year - both Fed and State. This year, it was over $200!!! I'll never use this "service" again...my knees are still hurting. I think I started with TaxAct a few years ago - that changed to CKarma, and now I see TTax has their grip on my butt.

It's a waste of time and money. It does not do any good, but they keep trying to sell you too many things. The used car site is a joke since most of them are no longer available. What a waste...don't sign up and don't pay additional money. You can contact all credit bureaus yourself if you need to.

I am sharing my experience with Credit Karma, which will be my first and last engagement with this company. I have contacted their support team multiple times regarding the release of my funds to my linked account. Unfortunately, I have encountered numerous obstacles and am consistently provided with vague explanations regarding the delays, which exceed their stated policy timeframe. When I requested to speak with a supervisory representative, I was informed that the supervisor was unable to assist because the account is designated for foreclosure. However, I have not received a clear explanation as to why the necessary actions have not been taken, and I find myself on day 14 without resolution.

There were commercials on TV I had seen. Was getting a divorce and needed to open a new account that wasn't a joint account. Was at a friend's, commercial came on, and they said they use CK. They said it was awesome, we actually had a discussion about it, lo and behold I got an account with them. There were some good perks when I signed up. I've been with them for several years now. You go to the grocery store and when you pay for your things, instant Karma!!!! CK pays for it. My first year I got instant Karma I think three times. But, haven't since. They must not do it anymore.

Beware of Credit Karma money. They are accomplices of fraudsters, they helped to steal my money from my card and refused to return it. When someone unknown tried several times to pay an amount greater than on my account, there was not one message, not one call. The scammer matched the amount to transfer it to the purchase. This damned bank was silent, but when I made a dispute, they did not even listen to my arguments and immediately refused (denied). The worst financial service in the USA. Beware of this organization, cursed Crefit Karma, and you will save money and nerves. Damn you, you stole my hard earned money.

I gave them a 2 star because while I do not encounter many issues there is one major one that I have encountered on this site. You get offers telling you what your odds are of being approved. I usually look at the terms, conditions and interest rate before I decide if I want to apply or not. Lately for every offer that I have looked at and decided not to apply an application seems to be submitted without my consent. For instant I wasn't even on the site on March 1, 2025 but I got an email just two days ago telling me about a loan that I applied for which I didn't, the same thing happened last month I got an email abut a credit card that I had just looked at the interest rate and decided that it wasn't for me, but I received an email regarding that also.

I’ve learned a lot about credit from Credit Karma and have applied for credit cards. They said I had an excellent chance of approval for and obtained a guaranteed card. It says I have an excellent chance of approval for loans on the site. I tried to get a $2000 loan and couldn’t get approved anywhere for less than 35% interest. It was ridiculous trying to get a loan off CK's recommendation. I ended up crowdsourcing the needed money all for free!!

Credit Karma sucks. I have had my account for over 15 yrs then all of a sudden I can't login because I changed my phone number. Then I get on with so called customer service and they ask me if the email is right. I say yes then they tell me it's not associated with my account. So now they have stolen my identity and I have no choice but to cancel my accounts. These people CANNOT BE TRUSTED. They are horrible. DO NOT USE CREDIT KARMA. They are crooked.

After filing my taxes on TurboTax the site sent me to Credit Karma saying I could check on my refund status there. On the CK landing page, a box said I used 2 credit cards up to their limits. I assumed fraud happened because I have never charged that much and pay it off every month. First I checked my credit reports and nothing was there -0- balance. Then I called the merchant (Target) and was assured they had no charges from me. I went to chat at Credit Karma and all they did (even with a live agent) was send me scripted messages telling me how to file a dispute with the 2 Credit agencies. I told them it wasn't the agencies, there was nothing wrong with my reports. It was just CK's landing page. CK said they could not see what I was talking about so I sent them a screenshot.

Never will I trust or use them again. Taxes are a nightmare. There's no way to get ahold of customer service. No accountability for their misrepresented services. Now I'm left waiting for my own money. Bills are stacking. My daughter's birthday is ruined and counting.

Credit Karma will not allow you to write a review of a Loan company or bank. You click "Write a review," nothing happens. You click write a review under a different page, different link, it takes you to another page of reviews, but there's no link to write one. They are a corrupt company. They also betray people, provide incorrect credit reports, never get your password right and seem to change it again after you change it. I haven't been able to log in with my password for months, after changing it many times, they always say "Incorrect password," but it's NOT incorrect. I hate using Credit Karma. They have a monopoly, and therefore they are terrible.

I find Credit Karma helpful. I would like it if it refreshed account balances more frequently. Some accounts, specifically loans, lag by one month on average. I'm on a mission to be debt free, so it would be nice to see those loan balances go to zero quicker when I pay them off.

My wife and I have been using Credit Karma for a total of 5 years. This year has been hell with them, our digital account was "hacked" when we received our tax advance from credit karma this year. We filed a police report with the local PD and took the necessary steps to recover our stolen funds. Turbo tax sent the money to credit karma for our money yesterday and we still haven't received our refund. Credit karma apparently created us a new account without our knowledge and our money is sitting in limbo at Credit karma and they're giving us the run-around and they keep referring us to a "higher" department that is email only and the never get in contact with us.

We have a credit card from this company for our tax money and the electronic part got hacked so they shut our card down. Now the company is giving us a run-a-round trying to access our account and after a week they still putting us off. I wouldn't recommend this company to my worst enemy.

I took all the advice from Credit Karma and applied for cards and my credit score has dropped 100 points. They will say you’re pre approved and it just puts hard inquiries on your record. Too much to text.

Please get customer service representatives that understand English and your questions. I am not talking about race. I'm talking about the inability to help anyone because the language barrier is so far off you can never really get the help you need. You go in circles and every time you need to speak to a supervisor they have to email you. You cannot speak to them without playing email tag. This is so frustrating and time consuming to fix a customer's issues. Poor company values!! Their system messed up my account to deposit checks. Said I needed to deposit $750 a month to qualify.. I have been a customer for years and have made that far over but no one could understand this and fix my issue. Do not use them. They are not what a bank values should be!

Worst service I have received. My tax refund was deposited in Credit Karma. I requested check to get it back. But due to USPS mailing issue, the check was returned to credit karma. I called USPS and fixed the mailing issue. Then I asked credit karma to send the check to me again. But I have not received it. I called their customer service and chat with them online. They told me they are working on it.

Credit Karma was bought by Intuit, the payroll & QuickBook people so my guard was down for fraud when I received the offer for a new credit card that I was GUARANTEED or $50 would be paid. Well I accepted the offer, was immediately turned down and now, 7 months later, they still refuse to acknowledge my denial or why they should pay the $50 that owe me for getting dinged on my credit for a "Hard Inquiry". They 1st ignored me to months, which I will not be ignored. Then they claimed I needed to send a "Adverse Action:" report showing I was denied. Then they claimed that they were not the company that introduce me to the credit card company that denied me.

Credit Karma is a Scam, fraud and UNTRUSTING. I started to use it to keep track on my credit score. They kept pushing me to open a credit card to “make better“ my credit score and records. They said that I had Outstanding Credit and that Bank of America was my Best option and that it was pre approved. After many pushing Emails from CK I tried to get a credit card with Bank of America…. I just found out that CK is “associated“ not just to this bank but to all the “recommended“ banks and institutions as Intuit turbo tax which was charging me for my taxes when I was directed by IRS to get my taxes done for free with this company and they didn’t it.

Unfortunately like all other sites, Credit Karma has very little to no interest in protecting you as a consumer. Sure they provide you with a score that’s normally outdated, and offer out of date information on your actual credit report. But the worst thing they attempt to do, is hook you up with lenders i.e, car loans, personal loans etc., that charge huge fees. They leave you to believe you’ve gotten the loan, then the phone calls start, changing the credit rates, asking for huge fees to be paid. For me, I had enough, definitely in line with operating a scam… I’m done with Credit Karma!!! It’s not the place to be accepting scam offers.

Credit Karma is just a sales site, scores are not that accurate, they just give you an idea or your credit while selling you on taking out more credit and then they get a kickback from the high interest card that you accept. In other word's it's a Ponzi scheme. Example: CK says take out a new card to help your credit utilization, so you do, BAM, hard inquiry, credit score goes down 20pts for months and takes a while to creep back up 1-2 pts at a time. Who wins? CC company and CK with its kickback. Just put every spare penny in a 4% savings that transfers to checking for free like Marcus Goldman Sachs and pay cash for everything and tell credit cards to suck it.

Website a joke, your number is way off and doesn't match months behind and they put on their lower my interest rate on an auto loan to 4%. I was at 8%. I sent the application thing whatever through the app and the guy calls me and it says, "No I can only do 8%." Do not use this app. It is junk and advertising marketing only now they ran my credit again, awesome. Run as fast as you can, place a joke.

This company has frozen an account as a retaliation tactic for filing a dispute (which I lost). The company however has stated I was refunded for an issue so that money was stolen along with money that I’ve had in my account. Customer service is disgusting and won’t help at all. Everything is scripted. Withholding money without reason is absolutely illegal. If you don’t want to do business with me anymore that’s fine but why hold my money during the holidays. Just pure evil. They will not help you or offer resolution. Your only choice is to report them to the feds. They are abusing their consumers financially, mentally and emotionally.

Credit Karma is good for keeping track of your score but use caution for anything else. They finally convinced me to look at refinancing my auto loan and I only did it because of the available offers. It did say that they may not be completely accurate and are not binding but that they used the information from my credit report for the offer so I thought that it would at least be close but I was wrong. So now I have a hard inquiry for nothing. The true real offer was double the interest of the offer I accepted that had them ping my credit. My payment would only have been like ten dollars lower or a dollar higher, unlike the accepted offer which was over a hundred dollars lower. How could they have based out on my credit report for it to be so different? Don't believe them for anything other than checking your credit score or your score will go down due to their lies and misrepresentation.

Been locked out of my account for a year had identity theft, I can't get no help from company, they never reply back when I can provide documents proving it's me! This crazy. They really turned to crap.

Credit Karma is a "free" site that provides Experian and Transunion credit data and they're free because they make money by selling us things. But the cost is far greater than that. I was with them for years and they have the worst help center I've ever come across, and their data is also incorrect. Several months back they sent me a notice saying I had accounts on websites that had data breaches but I had no accounts on any of them, and after talking to three different people it became clear very quickly that they outsource their "help" to a non-English speaking country and use people who didn't have a clue about their business at all because they weren't even able to understand what I was saying and responded with jibberish. Then to make matters worse the third person I talked to deleted my entire account instead of just deleting the incorrect data and I had to have it reinstated, and now I realize that was a big mistake.

There's absolutely no way to speak with ANYONE at Credit Karma on the phone. After sending many emails; you may finally get a response; "that someone will email you soon". But they don't send an email. They don't take phone calls. Also.. Their offer of $50 if you don't get approved for one of their guaranteed credit cards; that's a scam. How does a financial service with customer ratings of only 1 star keep any support? Credit Karma is rated 1.08/5 stars at bbb.org from 367 reviews.

They are completely behind on every information. They have absolutely no idea if somebody is using your credit. You will not receive any notice on time. They are behind on everything plus they are liars. They said that they will give us a guarantee credit card, any free apply and don't get approved they will pay us $50 and they did not pay the $50 after we did not get approved for what they promised we are approved for. Also I'm not sure where their customer service is but they are rude ...Fudge Credit Karma!

These types of sites claim to help with lowering interest rates to refinance. I tried the auto loan refinance and was offered a 4.8% APR which of course is not even close to the actual rate that the insurance company would honor. This service is a scam and should not be trusted.

They let unauthorized charges on my account. They couldn't tell me how or why! Some credit company! I had to close my account and still trying to delete my bank routing number. There is no cancelation button! This is a warning to anyone thinking of dealing with them!

Offer you great rates to bait you in and after they have all your information won’t stand by the rates offered at first. Excellent offer to lower rates and then can’t get the rate mentioned in the beginning waste of time.

I called to wire transfer money from my spend account and I was really deceived that the wire option is not available. Agent kept reading of a webpage or something like a robot and was not helpful. Money is in my account, and it needs 2-3 business days to get transferred into my external checking account. This caused a big issue to close on my mortgage for my house. I will be advising people NOT to use Credit Karma money, simply, you don't have control over your own money.

Incompetent customer service department that does nothing to stop fraud. They knowing processed a transaction that I reported as fraud because they said they couldn't cancel it due to them "not being a bank". Lost my business.

I am very disappointed to say the least when Mint.com decided to merge to Credit Karma. It's not anything close to what Mint.com was and I will not be using the service now. It's very upsetting and I know I'm not the only one who's complained about this.

I am not particularly happy with Credit Karma right now. In short they had me believing that my credit score was a lot better than it is. I went to the bank to discuss a potential loan and made a fool out of myself. Clearly CK has a severe accuracy problem! They are telling people that their credit score is OVER 100 points more than it really is. THAT IS A HUGE DIFFERENCE!! A couple of points one way or the other I could see. But jeez. I wanted to crawl under the desk. I would have never even asked about the requirements for a loan if I had known. Save myself the embarrassment.