Credit Karma Reviews

Credit Karma is not reliable and misleading. A couple of times I’ve exposed my credit to apply for offers that CK claims I have “outstanding” odds on, and both times, I was declined. Thanks for the hard inquiries on my credit report Credit Karma!

Credit Karma offers auto refinance offers with specific rates and when you accept that offer the finance company doesn't honor them and there are of course additional fees. Don't trust Credit Karma. You have to input all your financial data and employment info so Credit Karma now has all your data.

This site is untrustworthy. They say they recommend apply for a card without impact on your score. I applied, got denied for a card and I got a hard inquiry on my fico score drop of 6-8 points. I called them and they said I could resolve this by paying $99.00 to remove inquiry, after they said I would have no impact, I'll never trust this site again.

They show aggression rate of interest for new loans which are completely wrong. You land up in sharing SSN and other PII information. Stay away from this company. This has not happened once but multiple times now.

Since December 3rd I have been locked out of my account trying to get the support team to help me get into my account. I have spent countless hours on the phone always receiving the same results of a specialist would be reaching out to me or my case has been escalated and someone would be reaching out to get me into my account. Three weeks end and it's becoming more difficult for me by the second. I asked for access into my account so they take it upon themselves to lock me out of my account. I can't transfer my money to linked account, use my debit card for purchases or use the credit option to spend my money. I have sent copies of my identification to the support team and everything. I ask to speak with someone other than the person who I am receiving no help from and I quote "Sir there's no one other than myself who can help you."

Credit Karma has help me from the beginning to get credit cards and a personal loan. It made me see what I personally need to do by paying my bills on time. But the offers on the credit cards and personal loans are a rip off. The interest may be low but the pay back is half of what you borrowed. Companies are robbing people with bad credit or should I people who are financially struggling, Thank you the tips. I can take it from here. Plus you are reporting information on profile that the current or accuracy.

Worst credit monitoring of all. The scores are too volitale and they are grossly inaccurate. They track 30-40 points from the real FICO 8 and FICO 9. It’s just a stupid system to try to get you on more credit cards.

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. 😑

I’ve spent hours and hours trying to get the app to report the correct data from my financial institutions and after hundreds of hours working to try to fix it along with customer service, I have given up. The app is a joke, picking up info from who knows where!

Can't log in no matter what I've tried. At all. And no way to reset password or contact them directly. I have been using Credit Karma for year but all of a sudden I am locked out. At this point, I am just wanting to close/cancel my account. Don't think that's gonna be possible. Sad.

I was given a notification from Credit Karma saying that my chance was excellent to be approved for this card and if I was declined I was guaranteed $50. Was declined, due to that my score was lowered and it appears I will not be receiving "spin" by 2 different agents (Albert and Claire).... both whom claimed that I bought a 2025 car in October, and now 8 1/2 months later my score in insufficient. Which has no merit and if it did.... my screenshots show, the credit score, the guarantee, and the denial! All this worth $50? Ya, it is... Companies can't just lie.... I know they do.... but credit karma claims to be out there to help. Well they did, they helped me out of a credit card, btw I only have 1, so I'm not in debt.... and they helped me out of a higher credit rating. Just the beginning.

They do not deserve any stars. Credit Karma is the worst company ever, I called them to receive a new card and for some reason it took over 3 weeks and I still didn't receive it. I called them and they gave me some crap about it may have got lost in the mail so they had to deactivate that and expedite one, I called on a Tuesday to do that but on the app it said I requested the card on Friday. I don't recommend anyone to get involved with this company. Oh and that wasn't even the best part. I asked them what if I close my account. They said I would have to wait 2-3 business days to receive my money.

I have been contacting this company for weeks via email and phone regarding a dispute for good I never received. I have emails, call logs, etc., and have tried providing the company with proof that I have been unable to contact them, as I never received my goods. I submitted my dispute on June 22, 2025 and have yet to even have them begin reviewing the case, dispute my need for these funds to be returned, telling me it has to follow this long draw out procedure for every dispute (which no one will explain dispute me asking numerous times the procedure/info/ etc needed and why it take 90 days). HOWEVER, I submitted a different dispute, which was reviewed and denied in under 8-12 hours. When I contacted them, they couldn't explain why they broke their own policy to deny this case in less than a day, but they've yet to even begin reviewing the other cases.

They allowed Avant to access my credit report and place a hard inquiry for a loan application that I did not apply for! Now it's up to me to dispute it on my reports! I was using Credit Karma to track my score. I worked hard to raise my score so I could trade in my car and get an auto loan. All my efforts went down the drain! I only obtain loans from Navy Federal and USAA. Do not trust Credit Karma!

I have been a long term customer for years. I faithfully have my paycheck deposited every 2 weeks like clock work, yet they have, without warning, reduced my protection and will not change it back. I've tried speaking with customer service but part of the issue is that there is a significant language barrier. I am not trying to be malicious, but there really should be some, English as a first language speakers, answering calls. I can barely understand the agents and it is frustrating.

Has worked for years with email, now they changed to text and I have landline, no text. They changed it and now it sucks There are a lot easier and better credit score company's out there. I don't know why you cant just let things alone and not tell anyone you're changing it.

I was shut out of my Credit Karma account a few weeks ago. I went through their verification system with Mitek - took hours to complete - finally was successful - I have a screenshot of the acceptance message. Mitek apparently did not communicate this to Credit Karma, so I am still unable to access my account. Credit Karma chat and help center not helpful. No phone number to call to speak with a person. Total waste of time and energy.

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.