Credit Karma Reviews

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.

They report incorrect information and then don't have a way to speak with a real person. Their chat operation is a joke. These people are stupid. I will remove my account and recommend everyone else do the same.

Credit Karma is not an updated tool that helps you make decisions. It is set up to be able to offer you options of companies that advertised on their website. Negative credit report items are on Credit Karma the same day. Positive additions to your credit report can take months. It is just a sales tool. I would not trust Credit Karma.

This is a real shady company. My TransUnion score stayed the same for 5 months. I got a free report from TransUnion. It was totally different. I tried to cancel my Credit Karma account. I followed their directions. They were completely false. After crazy research Reddick.com had the answer. Just go to Reddick and type in cancel Credit Karma and hit the link.

I used to have Mint several years as financial aggregator and a few years back it was transformed to Credit Karma. Credit Karma is focused on advertising their stuff, it's much harder to get to the info I'm interested in. That's a huge step back from Mint and that's only the smallest problem. The software sucks and it takes months(!) to get an answer from support. Looks like the answers are created by a bot without looking to the reported issues, they provide unrelated info, asked for additional questions, do not resolve or even consider the defects. The fixes were never made. My example:

Needed technical help due to my email changing and I could not talk by phone with a rep. Their A.I. software was useless. Their chat option was worse, I was given no time to act on any advice given. Then they hang up after 120 sec of no activity.

Credit Karma help me go from HORRIBLE extra horrible credit to the best credit I could ever imagine. Their opportunities provided me and my kids more than an amazing life. I only wish I could thank the founders personally and show them what they accomplished. I'm JUST one of them. I'm sure... MANY other happy students!

Credit Karma is funded and owned by credit card companies to get you people to care about spending money you don't have. Our parents and grandparents didn't need good credit to buy their houses and cars.

I don't like how they didn't tell me it was going to take seven business days to deposit a $250 check because it's such a large amount. I don't like how I can't deposit cash into my account. I was convinced to get this account. I only had it for about 18 months but I'm definitely looking forward to canceling it. They said it's to look at your credit score or build your score up. Majority of my debt is college loans. It's a hassle to change and update any information on your account. It's really annoying. PayPal is better than this. They don't hold your money for 7 days. They are not greedy in trying to accumulate interest on your money. I'm just looking forward for everything to deposit to my account, open up a real bank account and transfer it everything over to that real bank account.

Credit Karma customer service is a joke. The virtual support does not understand anything and responds with some random links. The support system seems to be outdated. It is a shame that Intuit calls themselves as "Complete Financial Confidence". I am closing my account.

These are the facts. They promised to pay $50 if I was turned down for a personal loan that they directly offered to me. I applied for the loan and for a reason that was not explicitly stated prior to applying, they turned me down. I reached back to Credit Karma and had to go through more than 4 email exchanges before they agreed to pay the $50. Then I was told that the payment would take 60 days to get to me. There are some good reasons to work with them - some of their credit cards suggested are workable (to be honest at bare minimum levels - I have gotten better credit cards at other platforms).

They make their commercials seem as if they really can help you improve your credit score, no they can't and all they do is advertise high interest rate cards you don't qualify for. I made the mistake of using them for banking. SERIOUSLY, WHAT IS THE POINT OF ALLOWING CUSTOMERS TO LOCK THEIR CARDS IF THEY JUST LET TRANSACTIONS GO THRU ANYWAYS? No one lets you link through them, not PayPal, not Zelle, not Plaid, no one because it's a joke of bank and of a company.

I have used my same email as my username, then suddenly it didn't work. Why? Because someone went into my account, changed the username to their email, so now they can look at my information. Credit Karma sent me an email 3 days later stating "we will look into it." Really? I have to freeze my credit reports with all the agencies due to their site and lack of urgency.

If you want false hope, and your credit to have a bunch of hard inquiries, then this is the place. To be honest it's one main financial who keeps tricking me. After the 3rd time of them telling me one thing and in the end really screwed ya.

I gave CK a chance after it switched from Mint. I used to have a 785 credit score and it should have only gone up. I paid off a loan recently and the App was concerned about why an account had closed. It couldn't figure it out and assume negative things. So instead of increasing my credit score, it went down. I may have to sue them. The financial links to my accounts always un-connect and so they never have my investments up to date. I get too many notifications about credit and transactions and nothing good on net-worth and budgeting.. They have probably cost me credit score points hitting it to find out what I can get approved for. "If I do not ask to get approved for a loan, leave it alone." Needless to say, I have cancel that app account.

For a long time, I thought Credit Karma worked well. It felt like I was staying on top of my credit and I had an idea on where it was. That’s until I went to try to get a loan. Credit Karma was off about 90 points. A little bit Off it’s all right. But when it’s that many points it’s not. So anybody that’s trying to keep track of their credit report. Please don’t trust this site.

I’ve been with CK for years. They are not secured at all. I constantly have random amounts coming out of my account. And when you call and you’ve had enough they tell you there is no supervisor. For you to talk too as a customer. They hang up on you. They give you people from other countries that you can barely understand. This is not the American way. I will never use them for anything not even to check my score. They are fraud. Use them at your own risk…. I’m looking to transfer all of my money away from this account. And not into my main account so I can totally do away with Credit karma. I’m so disappointed in them. Them people don’t care about your money. That’s why they got people from other countries answering the phone that you can’t understand. It’s sad to see America this way. It’s all thanks to companies like credit karma that we can’t trust them.

Have been locked out of my account for 2wks with no resolution or contact the past week. Stay away. They have been hacked and not informing people that their information is gone to someone else. I have tried and tried to contact them with ZERO success.

There was a data breach last month and my Credit Karma app/account was hacked. They let them change my email and phone number, on top of that hackers applied for a personal loan through Jenius Bank that works with Credit Karma. Now they won't help me open a new account unless I give them a copy of my birth certificate, passport, resident card or citizenship! It sucks!

Worst customer service ever. When you ask a question about your money or account you get ignored. You can forget about talking to a supervisor because they apparently don't exist. The worst! I'm shutting down my account.

Credit Karma is a scam. I against my better judgment, applied for a personal loan that they guaranteed. After being denied, I contacted them twice to receive. My $50 payment. They came back saying I provided different Financials numbers for the loan. Absolutely NOT. It was the same information! The information was identical. Identical!!! They said I don't qualify...It's an absolute scam they probably get a kickback from the creditors as it's advertising for them. Absolute joke. Don't believe them. I can only blame myself for believing but I'm done with them.

I'm sick of Credit Karma saying I will be approved for loans and then I don't get the loan, it cost me credit points on my credit score. Sick of it, they are no company you trust for any of your business transactions. They have been sued for this very issues and they still utilize the same program.

A total waste of time - and I knew it would be, I let my guard down. They tell you a rate they say they think they can get for you. Then after applying and a hard credit check dinging your credit by 5 or 10 points they tell you a completely different rate. They knew me. I have outstanding credit - 820, well now 810, a good income, home paid for, older but still working, perfect history - if they can't give me the rate they quoted at first they can't give it to anybody. I thought Credit Karma was a better company than a lot of sleaze out there. Again, not so much.

I proactively contacted Credit Karma immediately after noticing fraud on my account while fraudulent purchases on my spend account were still pending. It's been a week and it is not resolved..at this point the hacker probably walked away with the goods purchased with my money. My money is still not in my account. They scrutinized my ID more than they did the hacker's, photos with my ID under my chin, passcodes, etc. I wish they made it this hard for the hacker to use my funds AND that they returned my money immediately upon my calling them the first time.

Absolutely the worst "budgeting" app I've ever used. Why I transferred all of my Mint transactions is beyond me. I finally cancelled CK after discovering that is nothing more than a giant upsell for credit cards, insurance, and other financial come-ons. Don't bother.

Bogus offers, especially with the "outstanding approval odds" companies. These companies always deny the credit card or loan offers, and while they're at it, they ding your credit score to keep it lowered. Don't trust any of the offers that are offered. Best Egg is bad, but Reprise is the worst.

Been using CK for years. On 4/1 My account was hacked. Called and waited on hold for 2 hours before getting someone. In the meantime, my phone number and email was changed in my account. These jackets knew how to have all CK emails go directly to my trash folder. They drained my entire account literally while I was on the phone with the "fraud' dept. Some of the transactions went back to my account but only a fraction of what was stolen. I've spoken to multiple people who keep saying it's been escalated to a specialty team that only communicates through email. After reading reviews, I'm afraid I'm not going to get my money back.

This company is the worse on customer service. After my account was hacked I was constantly calling and speaking with people that did not understand this was a case of identity theft and I was sending my identification over and over, I was told once I didn’t have a account and was hung up on. Money was being deducted out of my account repeatedly. 6 days and I still haven’t gotten access to my account.

I have been using Credit Karma for 10 years. I used their bill pay to pay my credit card bill back in February. My company never received the payment then I had to report CK to the better business bureau just to get a response. All email correspondence from CK has done nothing but cause confusion and misinformation. I was told Monday of this month that my funds would be back in my account 1 to 3 business days. On the 3rd business day I got another email saying the same thing. Now five days after the first email still haven’t got the money back and of course no explanation on why or an update on a delay short term. They be stealing and I’m not sure how safe your personal information is with them either. Definitely would advise a different company. Also if I could give 0 stars I would based off the way you need all my personal info just to say I’m not able to answer that. No customer service skills at all. The company is stressful to deal with. Great if you just need to check your credit but don’t give them any money.

My MINT account was obliterated and was supposed to show up at Credit Karma. It didn’t. I contacted them - mostly machine and then more glorified machines that did not answer my question: how do I obtain my account data I kept in MINT over a number of years? Their convoluted response with limited transactions allowed demonstrates that I will not obtain the transactions I entered on MINT. Intuit has demonstrated no responsibility in restoring my data. I will never use any of their products again.

Today looking over my information on Credit Karma, under the recommendations from them. I applied for a balance transfer which I was approved of. But because of them being useless and not knowing what they're doing, I was not able to use said balance transfer because it was from the same Institution. This was one of those transfers that said recommended in yellow next to the column for balance transfers it was for 0% for 21 months. They are very misleading and they don't have the correct information. I tried to do a chat with someone, but that person acted stupider than Credit Karma did recommending that balance transfer in the first place. If I was able to give them zero Stars I would. If your job is to give the people tools and information regarding their credit, and fail to do so with false truth and inaccurate information. Nowhere on there did it say the balance transfer could not be done from the same credit Institution.

Horrible customer service. I can't understand any of the foreigners on the phone, and when I use the live chat they abruptly end it and refuse to speak to me saying I need to provide the correct info. Each time I have provided my correct credentials as listed in my credit karma app and account. Two weeks to clear check deposits, slow and sometimes completely none functionality app. Run!!

As others have complained, I was forced to migrate my information to Credit Karma. The site is absolutely useless as a finance management. I have to go through numerous steps to get around to the information I think I need. Only to find that the format is in a totally unusable layout. I cannot group transactions by date, or amount, or any function other than just a list. I cannot graph transactions to ANY sort of filter or date range. It is absolutely USELESS!!!!

Credit Karma is 100% useless. Was forced to "migrate" over from Mint, which I would have gladly paid for because it had excellent functionality, and I cannot begin to describe my frustration and disappointment with the Credit Karma product. Total scam, tons of ads, no functionality, my transaction history is all screwed up because the categories I'd created and used for years have all disappeared, and now I'm scrambling to get set up on another platform so that I can track my business and personal expenses. What a colossal failure from Intuit. So help me God. I will never give them my business again after this fiasco.

I was a Mint user for years and was forced to switch to Credit Karma. Compared to Mint, Credit Karma is a joke. I would not recommend it to anyone. It is designed to make you take on more debt and that is about it. If that is what are looking for, go for it. If you want to actually manage your money, there are fare better options. I am not sure what is going on with Intuit, but, as of late, I am extremely, disappointed.

This watch group is designed for one thing only, to sponsor banks and to get you to apply for more debt. Don’t use Credit Karma to monitor your credit when they’re not there on your behalf. Stop using them.

I don’t know what’s happened to Credit Karma lately. I know it’s a free to use credit monitoring site and over the past few years has been pretty reliable, but over the last 6 to 8 months it does not refresh quickly enough. Yes, it would be nice to have Experian scores on there, but even the Equifax and Trans Union scores are not updated regularly. I have been monitoring directly with Trans Union and Equifax over the last two weeks. My score has risen a few points on each and my latest score have not been updated/refreshed on Credit Karma for well over two weeks. You can’t rely on this site to give you the up to the minute scores. It’s a shame, I really relied on Credit Karma to help keep track of my progress, but it has totally crashed and is ineffective. My advice to you, go directly to Equifax, Trans Union, Credit Sesame, Experian, etc… and get your up-to-the-minute scores for free with these sites. You can do better, CK.

I use Credit Karma to monitor my credit and keep up with updates to my credit. Since 2021 my car insurance has increased every year. In 2023 my car insurance with Progressive was due to increase more than one hundred dollars in cost during the renewal stage. The rental insurance cost doubled as well. This did not sit well with me. Credit Karma was advertising car insurance cost for as low as thirty nine dollars per month based on my credit score. I checked out the offers and all of the offers were charging the same amount as Progressive or higher as if I was profiled to receive offers at an extremely high cost. This didn't sit well with me. I felt as if some form of discrimination was occurring. I am a great driver without accidents.

Useless program!!!! I wanted it for budgeting as Mint used to do. Mint FORCED me to use this company. Credit Karma is full of ads, no useful information unless you want to watch your credit scores! It is useless!

They received my federal tax return and are holding it. I needed to update my address which they will only do by email. For a month I have have been trying to change my address with them. BEFORE they accepted a direct deposit even though the account is closed. They have been holding it over a week and WILL NOT change my address!!!

Well, my experience started 3 and 1/2 hours ago and it was not fun every time I was connected to what was called a expert helper. All they did was hang up on me when I was trying to give them the information that would make my account go through and every single time I had to start all over from the beginning and their app doesn't even fit on the screen properly, about 20% of the app on the left side is missing so you don't know if it says name, last name, phone number, address you can't see any of those things on the application so you have to guess and figure it out eventually what they say by what gets written down and then it counseling it because it doesn't work because you've put in incorrect information because it's in the wrong spot because you can't see it, that's the first piece of garbage thing that needs to be fixed.

They promote credit cards and guarantee that you will be approved, only to get denied. Even the $50 dollars they offer if you’re denied is a lie!! Now my credit is going to drop and another hard inquiry will be on my account.

Credit Karma is an Intuit product. This will hurt Intuit’s reputation. I have already discontinued every Intuit service I have due to the Credit Karma bad taste. Credit Karma will show you credit cards and loans they say you qualify for and then shrug their shoulder and offer blanket excuses. You will see the disclaimers once it is too late. If you click into an “offer” it will show up as a credit inquiry and your credit rating will suffer. In my opinion, this Intuit product may lead to a class action suit under the fair credit regulations. It is similar to bait and switch. Do not believe them and *STAY AWAY**.

I wanted to do something as simple as changing my phone number, and have been waiting for over 4 hours now for a reply e-mail. If you try to call the customer service line, they will take down your information and your issue and "forward it to the correct department for review." Very unhelpful considering I have already sent out a support e-mail, and wanted to call and speak to someone to have it done right away. What if I needed immediate access to my account or money? I would be stuck waiting who knows how long until someone gets to my email, and maybe resolves my issue... Yikes.

The others have me listed in good condition and the account is paid in full. Case for a lawsuit? Reporting false information? Hurting my livelihood? Ruined my credit score? Got declined by Home Depot, for applying for their credit card.

I have been with Credit Karma for at least 5 years. I came out of a bankruptcy back then and have since been trying to get my credit score to 700. No matter what I have done my score will not break that ceiling. I followed their suggestions and I get to 685. I finally broke that goal this past month at 702. Then I have an emergency and use one of my cards which brings that card over the 30% rule and pow the next day my score drops 51 points. I paid that card back off a week later. It has been a week and my score has not budged. They are quick to drop your score but do the reverse to fix the issue and you're lucky to get 20 points back and usually I get 5.

Terrible experience. Horrible customer service and they did not secure my personal information and banking and my identity and money was compromised. I hope my review can save this from happening to someone else. This company is fraud and should be shut down and not allowed to advertise or get any more customers' information. I'll be making a police report as well. Watch out people!

After four separate attempts, I am still not able to create an account online with Credit Karma. In each case, the technical support department says something to the effect of, "Must be something with TransUnion." I have done everything, including challenging TransUnion, who says they can't support investigations into Credit Karma's tools.

The companies they refer you to for balance transfers or refinancing are third tier companies with deceptive practices and/or very low BBB reviews. Why do you never see top tier companies advertise on Credit Karma?

I have had CK for many years. They have never provided my correct credit ratings. EVER. They suggested some loan companies when I was looking for a personal loan. Those companies all said they couldn't do a personal loan but could do payday loans and a ridiculously high interest rate. Now I can get them to stop emailing, texting and calling me. This site provides no useful help whatsoever. I'm considering a lawsuit for the harassment from their so called lenders.

I have Credit Karma for a while…. They kept “advising“ me about how important was to get certain credit cards and based on my credit report the “highest“ possibilities of getting approve it. I did so with Bank of America which was more like a terrible mistake. I applied for a credit card with this bank and after a week without hearing from them… I decided to go to the bank branch directly. The mall of ga branch couldn’t tell me WHY my application was still pending. So I requested to open a bank checking account and they were more like giving me hard time to open the account. I provided them my DRIVER LICENSE and SS number, also a major credit card but they said that wasn’t enough for me to open the checking account.

Was using Mint, which I liked well, and was solicited to switch to Credit Karma because Mint is closing down. What a waste of time! None of the relevant functionality. Nothing but advertisements. Only 2 hours after signing up I requested my account be closed and my banking/credit card information be deleted. They insist they will keep this information for two years! Is that even legal?!

This is a poor financial tool that offers minimal settings, options, data, and views. Mint became a somewhat poor financial tool at the end of its life, but this is much worse. I would recommend anyone thinking about using this tool to use a different one.

I have been a Mint (intuit product) for 15 years, but unfortunately they are closing down 12/31/2023. They are offering to transfer data to Credit Karma. Despite getting copies of all 3 credit reports, spending more than 2 hours on help lines, I was unable to create a new account because they said my address (that was copied directly from the credit report) was inaccurate. Apparently, computers are always right, because the help agent said there was nothing they could do. I trusted this company (Intuit) with my tax returns! I would NEVER use an Intuit product again

I've been trying to log back in to Credit Karma because they did my taxes a few years back. They asked for a photo copy of my driver's license, which I provided. They then REFUSED to accept it as proof I was me. They requested my naturalization papers. I'M A U.S. CITIZEN! This refusal was the last straw. I will never use their services again, even if I have to pay someone else for what they provide. They are not worth the headache!

I've tried for 15 years off and on to sign back in. No way to change to a new phone number? No help available and from the reviews No biggie. I'd like to delete my account but can't log in due to new phone.

I was using Mint to track all my finances, and Intuit forced me to migrate to Credit Karma. They claimed it had all the same features and that all my data would be saved. Except it doesn't have any of the same features, and they didn't save my data! Now my Mint account is permanently closed, and I can't access any of the financial data that I spent years managing, including my budgets, transactions, categorizations, tax records, and spending. What the actual heck!? Using the Credit Karma UI, it's very clear that it's just an advertisement for various loans and credit cards. That's not even remotely close to what Mint was. This is unnacceptable.

The CEO of Intuit should be fired for destroying what could have been a money making machine app. Mint had 3M subscribers and I for one would be happy to pay a subscription fee to keep all my personal financial information in one place. Instead, they killed Mint and forced all users to migrate to crappy Credit Karma which is nothing but a billboard for credit card marketing. I am now using Monarch Money.

I have been using Credit Karma for several years. They initially offered good services, but I have noticed that they are pretty much a broker for high-interest loans that do not serve the interest of consumers. Example Offer: Start making progress with a 25K loan at a 35% interest rate. They have become a terrible company whose only interest is that of the loan companies they serve. They are acquiring Mint, and I will close my account on both.

Approximately 2 months ago, I applied for a credit card that was recommended by Credit Karma. Unfortunately I was denied. Prior to applying it stated if denied, Credit Karma would give $50. After denial, I didn't see monies in my credit karma account. I sent email inquiring about it. I was told they needed to check into & would get back to me. To date, I have not received $50 for denial, nor has anyone gotten back to me!

At the end of the last month when I got my last deposit to my money spent account I called Credit Karma to get my balance information and they seen and I seen that my loan my company I took my loan out with had taken money without authorization so they canceled my card and sent me a new one. I can't log into my credit card account now because I need to change my phone number. I asked them to change my phone number. They asked me to send verifying documents. I have sent these verifying documents at least 10 times. I can't get any answer out of them except for, "Watch your email. You'll get it in the email. We have no way of contacting our verification department without an email." I have bills to pay. I am currently $300 in late fees on my rent. My car insurance has been canceled. my power is about to be shut off. I'm about to not have a phone service and credit karma could care less. They don't deserve any stars at all.

Credit Karma offers mafia loan rates on almost every product they present and are clearly securing commissions from Sicily and have zero regard for the clients who sign up expecting any degree of karma other than bad karma.

It advertises if you apply for credit and are rejected they offer $50. Don’t be fooled. CK’s switch bait business doesn’t live to what they preach. My credit score was reduced because Destiny and Indigo rejected credit and CK ignores emails.

I apply for a Citi credit that had 50$ money back if not approved, my credit is good with not derogatory but Citi denied it me. I’ve got in contact with Credit Karma several times, always a excuse not honor the 50$. So don’t take their offers to the bank because they’ll find a excuse not to honor it, it’s the 50$ because that won’t even buy a decent meal this day but it’s the principle behind it.

Great way to see accounts and balances but horrible advice. I didn’t have a credit card and it said get a credit card and keep it paid off and your credit score will go up. That’s what I’m doing. My credit score dropped 36 points even though I pay it off every month.

Credit Karma is a Scam! I just checked my Transunion and it's 40 pts above what Credit Karma says.. They are way off on my history and my Home equity. What they do is make money off personal loans and credit cards making you think you have bad credit so you apply for these scams.. I caught on to them a long time ago. They have a list of the so called CEOs etc on their page.. My advice is stay well away from them.. They have a deceptive practice.. If you want your scores get them from the correct Source.

It boasts, the credit card it suggested will be approved or it guarantee some token amount. The card applied denied. When contacted Credit Karma response was poor. No reply to our email. No commitment.

Credit Karma has a client who offers personal loans...Opportun. Opportun has a form on Credit Karma's website. In August 2023 (not sure of the exact date) I filled out Opportun's form to apply for a loan...and I discovered that... towards the end, Opportun asks me for my login I.D. and password that I use to login to my bank account. I immediately stopped... It bugged me..so I tried again a few days later to see if I read it right... I did. I contacted Credit Karma twice...via online chat...to express my concern. Both times, they shrugged me off and said "contact Opportun."

Credit Karma advertised on my page the following: "We think you could lower your 8.06% APR to 2.14%." I checked their offers and found one for 3.5% and applied. I received a hard hit on my credit only to find out the best the lender could do was 7% despite my excellent credit and multiple funding sources. The lender also informed me that Credit Karma does not always pull the current interest rates and the rate CK quoted did not reflect the present rate hike. I checked two days later and CK is still touting the same information. It is my opinion the information that CK reports is inaccurate and unreliable. You are better off getting a loan through a credit union or trusted source.

Very polite. Very courteous. Very helpful. Very patient. Took his time and explained everything to me in very detailed. Went through my entire credit report with me I had a hacker open up a Capital One credit card and put me down as a authorized user. I had no idea. Didn't pay on two of the cards for over 6 months. I found this out when I was in the process of buying another house and I had just sold mine. Credit score was too low to qualify for the mortgage. Had to rent for a year. Had to hire them.

There is no way to contact the fraud department directly!!! You can only reach those in charge of customer service, and THAT'S IT!. TWO WEEKS AGO I submitted a claim because I received a wire transfer from a place I did not recognize. A wire transfer implies they have my account and routing number. So, since it was unfamiliar I reported it. I hear nothing back from them so I start looking into it myself. If they couldn't figure it out, then I was going to... Anyway, I find out the money is actually a deposit of money I gained through ad revenue on a site I own, but haven't worked on in two years. It is set up so that once a certain amount of money is earned it deposits. It's an inactive site, but it still gets clicks. So, it took a long time before I generated enough money to be deposited automatically.. Yay. Mystery solved.

Credit Karma reports my Equifax & TransUnion score change multiple times a month, which makes absolutely no sense. A creditor needs to file a new report in order for there to be a change. Not with Credit Karma. They just randomly make score changes without creditors filing new reports. My Experian credit report updates once or twice a month, usually a day or 2 after my credit card and car loan due dates. My Experian credit score has been the same thing for 2 weeks, not my Equifax or TransUnion score. Those scores change almost every other day (literally). I don’t have that much activity taking place on my credit report for Credit Karma to be making multiple changes throughout the month. I’m purchasing a house. Thank God the lender only uses Experian.

I've gotten increasingly irritated with Credit Karma over the past few months. I monitor my scores pretty diligently. I went in to see what my scores were recently and found one set dropped 27 points. I was like what??? I looked up the supposed reason for a 27-point drop and it was because I paid off a high-balance credit card!!! My score took a huge hit because I paid off a credit card??? Gees, when the other things register that I paid off at this rate, I'll have a nonexistent credit rating by Credit Karma's standards. I seriously doubt they are reporting accurate credit scores. It's very disappointing that a business that's supposed to be there to help you, is actually detrimental. Extremely disappointed in the service and don't feel like it can be trusted any longer...

Over the last 10 years we’ve noticed Credit Karma docks credit ratings in double digit increments then very, very slowly builds them back up in single digit increments even when you consistently pay credit cards off in full each & every month. They don't check balances frequently or consistently like Experian. It appears Credit Karma works to keep credit ratings low so lenders can charge customers more. Note: Experian doesn't dock credit as severely as Credit Karma.

Credit Karma told me I had outstanding odds to receive a credit card from Prosper Credit Card that if I applied and was turned down that I would get a $50. I applied and was turned down 2/08/23. I never received the $50. I have emailed them several times. I have sent the decline letter. They can see on my credit report that they pull for me to review every few months that I do not have a prosper card. They refuse to stand up and send me the $50 for the guarantee. For some reason, they are lying and saying I was approved. I was not approved, my husband applied the same day and was approved. They do not stand up to their word, shame on them. I have seen other complain about the same thing. What can we do about this? It's the principle of it all.

Credit Karma told me I had an outstanding odds to receive a credit card from Citibank that if I applied and got turned down I would get a $50 gift card. I applied and of course I was turned down. I've been waiting 3 months and I still haven't give me the gift card. I've contacted them several times requesting the $50 gift card with no luck. Now I have to file a complaint with everybody to explain that credit karma doesn't do what they say they're going to do. Don't apply for anything on credit karma if it says outstanding odds cuz they will not give you your $50 gift card. It's a broken promise.

I recently got my credit card utilization usage down from 84% to 28%, and 15 points were reduced from my score. I checked to see what the change was for the decrease in points, and it showed it wasn't any change, so why did my score decrease? It should have increased. My Experian credit report is 30+ points higher than Transunion and Equifax. If you have a reduction in credit card utilization or paid down your car payments, your score increases by only 1-5 points, but if you have an increase in any type of utilization, they take 10-20 points off your score. I do not like Credit Karma.

I tried telling them that there is something wrong with their records. It wouldn't let me sign up because my address didn't match other credit reporting agencies yet I've lived at the same location for over 20 years. Then they told me to take it up with the reporting agencies even though I already have. It makes no sense.

During the process of filing my taxes I agreed to have my refund deposited into a new Credit Karma account. My money arrived and when I tried to transfer it out, it says I have a daily transfer limit of $1000. Now I can't reach anyone. I have been on hold 23 minutes so far after 20 minutes of searching for a method to contact support. I will get my money and close my account. Stay away.

Credit Karma has the most unnavigable and error prone website I’ve ever run into. The worst in the industry. I’m waiting for a response from Equifax. I believe if one of the agencies clears up a misreported claim, the others will delete it also and re-calculate my score. Right? I’ve been practicing UX/CX design, development and QA for 40 years, so I am highly qualified to judge. Lots of younger generation people are unqualified for their jobs. Check out my experience on LinkedIn please.

I was never advised that I had an $8 outstanding balance. I could not get a hold of anyone from MVB Bank to clear my debt and prevent it from being sent to collections. Nor can I ever use Credit Karma again.

Credit Karma encourages me to refinance and gives a list of lenders and their terms for the loan. Credit Karma's calculation of my current APR is a lie. The amount I have paid to interest is a lie. I can only assume the details of the loans they recommend are also a lie. As you already know, Credit Karma helps credit companies sell their credit cards. Credit card companies spend more money on advertising than any other business worldwide. #math

Credit Karma was so wonderful. Customer service Gabriel ** was very helpful and helped me navigate the website. The process to sign up was painless. Now I can monitor my credit history every day. Thanks.

About two years ago, I came off a divorce and was looking for a way to reorganize my finances, increase a credit score that I had long ignored, and have a more structured financial life. I had heard of Credit Karma, seen their ads, and decided to look into their services via their app. I have had a wonderful experience so far. I had very little debt, but no open accounts and therefore no movement of my very mid 600s credit score. I was very adverse to starting new credit, but the app helped me understand that opening a few accounts, using them very judiciously and paying them off monthly would not only increase my credit score, but help me match accounts that offer bonuses to expenses I already had (ie Amazon.com).

They push and push to get a new CC or loan to help improve your credit, both which I did and my score dropped a lot and apparently it will stay dropped for a year or longer. This should be a crime. Misleading innocent consumers into getting their products because they receive kickbacks and not emphasizing that their loans or CC’s could and will drop your score seems criminal. In today's day and age to allow this form of misrepresentation is horrible and shameful! The fact this may ruin your credit should be in bold print prior to any and all of their pushy advertising for promises of better credit scores. How this is allowed is mind-blowing. Where are the Consumer's rights? Do NOT USE THIS COMPANY. Sometimes free services are free for a reason.

I explained seven different times what I needed from them, and every single time, they responded by asking if I was inquiring about something completely different. The responses weren't even remotely close and contained grammatical and spelling errors. Incredibly frustrating experience.

I used to love Credit Karma, recently monitored my score for a potential auto loan through a local dealer. Credit Karma score was close to 700 yet the score ran for the loan I needed was only around 605 at the dealership. No Lenders use the score model Credit Karma Uses .... (Vantage score 3.0) to approve loans, They USE FICO SCORES. I can understand a few points off.... but 100? I also applied for a small loan through them and Credit Karma said I had an outstanding chance for approval, well guess what ....not a chance.

I applied a credit building product with Credit Karma. It asked for 2 IDs. I provided two with scanned copies into one attached. It rejected saying scanned version does not work. I redid based on their instruction to do photo. However, when I use my computer, I can upload one document but not the 2 they asked for. Finally I figured I can use my phone to do so. So I successfully uploaded the information. 1 day later I received reply saying the IDs are valid and the customer service will pass me to the product team. 3 days later, the product team said the IDs are not valid and I have to be rejected.

Recommendation to raise credit score by applying for new secured credit card with interest rate of 25-30% interest is ** ludicrous. They should be indicted for this fraud. I'm sure there are kickbacks for their recommendations.

This was by far the worst experience with a business I ever had. Got a refund advance for 1500 to a Credit Karma spend account through TurboTax. Made a 1300 transaction. There was a error. Never went through. Paypal verified the transaction never went through. I disputed the transaction twice. Horrible customer service through email. They denied there was a issue with the transaction then they closed my account for no reason and I never got the 1300 back or the remaining balance in the account. To make matters worse my income tax check was supposed to go to that account so now I have to wait for a paper check and still out of 1300$.

They claim they give you an advance once taxes are accepted but mine was turned in 3 days before, the end I was told I was accepted and nothing now, just only had my taxes been accepted but approved and even received an email for the advance and nothing, just had me re-login or once I do sent to turbo tax, I followed every step. Even contacted customer service even after them asking to make contact after my 1st bad review and all they did was repeat what they said the first time prior to any review that it was Turbo Tax fault.

I'd give zero stars, if it were an option. I don't usually write reviews but thought people should be warned. My honest review: I'm extremely disappointed with Credit Karma as a whole. I've had nothing but issues with it since I began using it again through Turbo Tax to file my taxes a few weeks ago. First off, my credit score on CK is wrong by more than 100 points. Second, the refund tracker is completely useless. In the 22 days it took to get my refund, the status never changed from "refund accepted." In fact, it didn't even update my refund status to "refund received" until the day AFTER I received my refund. Third, I could not log into my money account for the first couple of weeks at all because I couldn't update my phone number from several years ago due to the unclear instructions on the app. Fourth, the debit card tracker states that I was supposed to receive my shiny new debit card 11 days ago. I still have yet to receive it.

I rarely write reviews. I sincerely never do but this one is so frustrating that I just had to say this. DO NOT OPEN A CHECKINGS ACCOUNT with Credit Karma. Absolutely awful customer service, I was trying to just simply make a very minor purchase and my account got locked. Standard BAU from Banks that we can reasonably expect. In fact, most sane people would appreciate that but their customer service was so bad. Like so bad I waited over 1+ hr listening to the absolute monotone robot constantly redirecting me to the app. Still haven't gotten in touch with an agent. Thank goodness this wasn't an emergency. Do not depend on them for reliable customer support. They say that I can go to the app and approve the transaction but truthfully that hasn't been the case. It was a simple $177 purchase and I ensured that there is sufficient funds (of course had to make sure I didn't make an idiot mistake).

Karma money suppose to replace my card after 2 months and no card yet and customer service is useless. Escalated the problem still after 7 more days no response, have email them twice and still no debit card and no response.

I’ve had a Credit Karma account for almost a decade, not because I avidly used it, but because I created it that long ago and then forgot about it. Then while using Turbo Tax (and getting fleeced by them several years) I saw that I could get my return in advance through a bank account with Credit Karma. Except Credit Karma even though have had me as a customer for over a decade all of a sudden can’t identify me. Keep in mind I also have done KYC with boatloads of banks, financial companies, crypto currencies, the IRS, ID.me, etc… So for the last three years in a row I get the same glitch, and that’s what it is, because I got the questions correct, I know this because the questions are based on my life, and I always get them correct.

The credit scores on Credit Karma are not the scores to refinance your auto. Once the refinance company tells you are good to go from Credit Karma's report. They run your credit and get a different score. A big waste of time. Don't use Credit Karma. The scores are misleading.

I am not happy with Credit Karma at all. I am tired of the alerts to apply for another credit card to build my credit, or to apply for a loan, or to refinance my vehicle. I have tried all of the above, only to get dings on my credit score and not even be approved for anything. It is highly annoying and it lowers my credit score. Why would they continue to alert me to apply for these things and then unknowingly I get hard pulls on my credit score. I believe they are part of the reason my score is so low. I no longer will listen to their alerts to apply for things. It's not worth it. I wish they could just stop with it. I have been fooled by them too many times thinking my credit would improve. I was very wrong! So upset by this, and they continue to alert me of these things even after the company I applied with already denied me, so why are they telling me to apply again!!?? Very irritated!

I had my refund advance deposited into my credit karma spend account and they locked it!! It’s been over a week and they have yet to tell me why my account is locked! All they say is wait for an email! They are a complete scam and apparently this is a thing that they’re doing to many people. I do not have access to any of my money and no Answers and customer service are no help!! I’m soo upset!! Do not use them!!

They approved me for a rapid advance loan as long as I opened up a Credit Karma spend account. I have an account after paying the butt getting the ID and all that stuff figured out and then after the IRS approves my return they decide they're not going to give me the advance at all but money still has to go in their account now. I expected more from Credit Karma and that is not the way to do business or to get business.

So I opened a Credit Karma spend account back in 2021 but I never received my card. I wasn't able to get back into my account kept saying information was incorrect security questions didn't work or anything. Then when I finally did get in they had a credit card offer for me which I declined. But next thing I know I received an email in regards to that credit card offer. Credit karma submitted my information even though I declined the offer. So I stopped using them because of that. Today I was filing my taxes and trying to get an advance which can only go through Credit Karma spend account. When I logged into the account it said that my spend account was closed and that I could not reopen it. I reached out to them and informed them that one, I never got my card and two, I didn't close my account so that was done on their end, not mine.

I applied for a CREDIT CARD through CREDIT KARMA, and it said that if I didn't get it, they would either give me a $50 GIFT CARD or a PRE-PAID card (if I was eligible ).. And it turns out that I am ELIGIBLE for the GIFT CARD or the PRE-PAID CARD.. Long story short, it's been almost 2 months and I haven't one word from CREDIT KARMA!!!

It is as the title is. Credit Karma refuses to accept documents sent to their 'secure link' for uploads to update my phone number. I have uploaded them per their precise directions as requested and they still refuse to accept them and change my phone number. I have done this about 8 times already with them. It is unknown what the issue is as they are not specific as to why my uploads are not being accepted. I have done so with both my cellphone and my computer. Each time afterward I get another email from them requesting documentation to prove identity. All I want to do is update my phone number so I can log in. Now I am at the point was wanting the account deleted entirely. I have been a customer of theirs for several years and this customer service from them is appalling. They don't even deserve a star.

I have a Credit Karma account since 2013. I even opened savings account with them sometime during this past year someone hacked my account changed my email and password moved money from one account to another then stole every dime I had out of my bank America and credit karma savings which were linked together.

Got an offer for a guaranteed approval on a product where they would pay me $50 if I was not approved. So, I applied, hard inquiry made on my credit within seconds, and I was not approved. I then contacted them to get my $50 and they told me that I could not recieve it because I did not qualify and that they could not find any applications for credit. **! It's a bogus guarantee that is not being followed through on only to get people to apply for financial products through their site. DO NOT DO IT! The companies that advertise on their site are getting kickbacks along with Credit Karma for every application and account that is opened. They are crooks and should be investigated by the government for this outrageous and blatant use of baiting. Shame on them all!

They send advertisements stating they guarantee that I would get accepted for a credit card or I would get 50. Now no one calls back. No answers. I was told I would get an email. Don’t trust. Lowered my credit score 10 min after I applied and didn’t get approved. Most of the rates and terms they show on the site are not attainable.

They tell you to get these credit cards and it will help your credit, it don't. I think this is just a way to get people to go in debt and ruin their credit. I should have never got involved with them.

I'm incensed over the actions of Credit Karma. They sent me a link to check loan rates, but did not apply for any loans. I'm now receiving emails of adverse action from loan companies. I've been working very hard to improve my credit score, and resent having my efforts sabotaged by this company. I'm so glad I did not look at those credit card offers they send that say "approval excellent!". I appreciate those here who have posted about this. I've come to conclusion this is a predatory company. And their information related to my fico score is consistently incorrect.

I like Credit Karma to track my credit score, BUT their marketing is shameful. Today's email subject line "Update: BK of AMER reported..." This is clearly to make the user panic about their credit score being affected in some way, or a late payment being reported to the credit bureau, to get them on the website. The contents of the email? You paid your Bank of America account, and the payment was reported. A GOOD THING for my credit, but they wanted me to believe that it was bad for me to get on their website. I've gotten several other emails where the subject is deceptive in order to make the user panic and check their credit. Really gross tactic.

I received an email from Credit Karma that they may allow Intuit access to my credit report information. This is a breach of my privacy, and I have cancelled my account. They don't even deserve a 1.

I tried creating an account and it says my info doesn't match the bureaus. I've had the same address and name for over 27 years. No matter how many varieties of address or name I used I received the same message. I tried getting a chat and no one answered after three different attempts. Now I have worries something is wrong but no one is home to advise from their end so I gave up on them. It should have been simple. Nothing is more aggravating to me than a lack of response.

I checked Credit Karma for loan and it showed 98% interest rate which is loan shark rates. They should be ashamed of themselves. They claim to help people with their credit but is nothing more than a lousy credit reporting a loan shark company.

They will use your information without your consent to promote their business. They have a “Check Rates” button that if you click in it, they will submit your credit and personal information to apply for loans without your consent. Total deceitful scam! I filed a formal complaint with the FTC.

Multiple bad experiences. I tried to get a credit card to grow my credit rating. Outstanding approval odds according to them. Denied. "Hold" placed on an online purchase. Despite that I had 3x the funds needed and they had those funds for more than 6 months. My opinion, bad faith company. Use them for general information, but do not use them for anything substantial and certainly do not trust them with additional personal information. Additionally you should know I filed a complaint with the BBB.

They kept sending me messages that I was approved by Carvana, low downpayment and monthly payment and I was in the market for a newer car so I applied and carvana wanted 75% down payment so I just decided to keep my old car instead. Well I changed my phone number because I decided to use that auto insurance deal that they kept telling me I could get lower insurance from. Well after that I would get 10 or more calls a day from third party insurance brokers and then I tried to update my phone number because I do have direct deposit through them and I am a truck driver so I don't have everything they wanted like birth certificate, marriage certificate and yes I do have my SS card with me but I refuse to send that over the internet and I don't Carry any mail with me

I just read on ConsumerAffairs about Credit Karma not owning up to their false loan claims. I have experienced this with them. They show me that I can refinance my auto loan and show me these great monthly payments and super low APR. When I apply for the loan and then have people calling me Nonstop I always come to find out they want to give me a loan that’s not the months they advertise or the APR they advertised to get me to apply for it. I’ve tried this a couple times and it’s the same result.

I applied for a credit card with Credit Karma, and I was told that my approval was outstanding for the credit card with milestone credit card only to be denied and hit with a hard inquiry and now I can't do anything about it, not only that my credit score went down, I just applied on August the 24th 2022. I was so disappointed, I personally believe that it's false advertising, I was also told that if I was denied I would be compensated, I don't care about been compensated as much I care about my credit report, this need to be reported to all consumers...

Based upon your current mortgage, CK will extend mortgage offers that will lower your payment. However, what they fail to consider is that they are offering you 30 year mortgages while the remaining term of your mortgage is much less than 30 years. Do you want to lower your payment by extending the term of your loan by 7 to 10 years? I was advised that with a near perfect credit score, I had a "fair" chance of being approved for a credit card that I have had for 20 years!? Not much of an algorithm in my opinion. There is no way to contact anyone in the company from their website. Why are they hiding?

Since Intuit (turbotax) owns Credit Karma, they partnered up with them and their last tax filing process tricked lots of tax filers to sign up for a credit card with credit karma. See more details on this here: **. The way I was tricked is during the end of the process so you could get your tax refund, your only option on their user interface was to "confirm your credit karma account before getting your refund". So I logged in to my CK account and they asked me to confirm my address. I did and immediately it said "congratulations on signing up for your new credit card". I was so angry, no words can describe it.

Great advice at the beginning. I did what they suggested and watched my score grow. After a couple years I continued what they suggested, they kept suggesting get another card, get another card, so my score would go up even more! I have two so I went for a third and huge mistake that was! My score dropped immensely! Don't do it! Stick to two! My score dropped fifty points! Don't get suckered liked I did! It happened to a coworker too. It really is disappointing when you put hard work into it, and they keep suggesting a third card because it will raise your score even more! Don't do it! It doesn't feel good!

Their website is a piece of crap. I tried to create an account several times. Each time their website told me that the information I entered didn't match what the credit bureaus had. Yes, it does. It matches 100%. This is a failure of Credit Karma's website or processes because the information is 100% accurate. I wouldn't trust this website at all. If they can't successfully create accounts from accurate information, then what else is wrong?

I had a card decline at Spectrum because of a mechanical issue. The terminal charged me 3 times for 1 transaction. I asked CK to release the funds to me, they declined. I asked the mgr of Spectrum to send an email to CK saying the amount was declined, she did, saying Spectrum would not try to collect the amount. CK declined. CK said they would not release or dispute any pending charges for 7 days. During this time I received several late fees for bills I needed to pay, because CK had a pending amount of $280 on my account. Ck refused to compensate me for any of these late fees saying that it's just simply their process. I used an alternate banking card, who the terminal also locked for $280. The email from Spectrum to the alt bank worked and they immediately released the funds from pending. TLDR: Don't expect help from their customer support team for an unusual transactions.

So I started with Credit Karma a while back and at first it seemed like a good site. It does let you keep track of your credit and accounts. But it also advertises credit cards and loan options for other companies that it really shouldn't do. My credit is hovering around a 600, I have a couple of high interest loans that I'm paying off and some credit cards that are almost maxed out. Credit karma's advice to help get my credit score up is to apply for more loans and credit cards through their site. That is the worst advice possible. I am just trying to pay off what I have now. They get paid by these companies advertising their loans and credit cards and they could care less with giving me sound financial advice like stop Taking out new lines of credit, pay off what you have. I get offers everyday for new cards and loans from credit karma telling me that is the way to build my credit. Absolutely terrible site that only cares about the money they are making.

Shows only your higher 2 (TransUn./Equifx) credit scores, instead of the lowest (FICO) which my potential lenders went by. Monthly payments shown for potential loans are deflated to lure you to the lenders website.

Credit Karma has held on to my funds since Memorial Day. I told them to close the account on July 1st and was told I would be issued a refund check in 7-10 business days, I called in on the 12th business day. No one told me that the check was sent to my old address which was on July 12th so now I have to wait a additional 7-10 business days for my funds. It’s been 60 days literally,,, I am beginning to wonder if I am really gonna receive my money which I worked so hard for and it’s extremely hard and difficult for me and Credit Karma has no other means for me to access my funds.

They keep your score down so you have to go through them to improve it and that way they get a better chance to sell you something. There's too much money involved on their part. They need to be biased.

Signed up for $100 bonus offer. Should have been automatically paid out on June 10th. After the run around I was then told on June 29th it would be paid out in 7 to 14 business days as I met the requirements. Still nothing. I call and get the run around. Pure fraud and sad for a website that tracks me and makes sure I pay on time!!!

Help me start over again and built my credit score from a 4 to a 655 in 3 months. It’s has many useful tools to help out, like loan power, what credit card is best for you and even to lower your car insurance.

I’ve been with Credit Karma for a long time with no problems until I realized that they were not only not working with me to help increase my score, especially with one particular company who should never have been on my report, but when this company continued to remain and Every time I checked my score, which was often, between that company, Credit Karma and all three Credit Agencies including the Company itself, I felt I had to dispute this company because not ONE of those agencies helped me and in checking my bank statements, the company I assumed Credit Karma was disputing for me not only never did, but again on my bank statements it showed going way back that the reason they were still on my report was they were stealing from my account/accounts!!!!

They have no idea what they are doing. I paid off two accounts in full, my score stayed the same. I used one card for an emergency 300.00 purchase. My score dropped 24 points. The other companies didn't lower my score. And this coming from a company who had a security breach. By the way I never heard back from them about my claim. This company does nothing but ruin people.

I wish I could give them zero stars. When I did my income taxes through TurboTax, Credit Karma offered a $200 credit if you set up a Spending Account with them. I had previously signed up with Credit Karma just to check my credit scores. They wouldn't give me my $200 credit because they said opened an account with them not within their specific timeframe. Meanwhile I hadn't received my Credit Karma Debit card until after I filed my taxes. Misleading marketing. Filing a Class Action lawsuit. Do not use this business. I called multiple times after February and was told I was getting the $200 credit.

Just want to thank Jack for everything he did for me. In less than 11 days of working with him, my credit score has raised high enough to be able to qualify for a mortgage loan that I was not able to get before. Besides that, he is so professional in his job, good listener and friendly that made the whole experience worth it and memorable. I strongly recommend the services of **. He can also help with recovering of Lost/Stolen Crypto (Bitcoin, Ethereum, Shiba etc.) on any Cryptocurrency App. WhatsApp no: **, he is understanding and trustworthy.

This company uses yours and my information to make money off our information but cannot give you access to your account to change an outdated phone number unless you give them information on your entire history. When you submit said information they refuse to give access on the grounds that they cannot read or see your images good enough to read. Bunch of crap. If an actual human put eyes on it they would be able to verify your identity. Bunch of lazy grifters.

On April 15 my Credit Karma spend account was locked, on April 15th I received an email that my account was closed. "Your Spend and Save accounts will be closed, and if your accounts have a balance when we close them, we will return the funds to you, via ACH Transfer to your linked bank account or by mailing." You a check, within the next five (5) business days.I still have no access to my money and it had not been transferred. I contacted MVB bank and they assisted me by having it escalated. Now credit karma states that it is under review by a specialized team that I have emailed numerous times, I need to eat and pay my bills ,

Credit Karma gave me a list of "Guaranteed Approval" credit cards. I found one of the offerings with a 0% balance transfer for 18 months and thought this would be a prime opportunity to get 3 of my remaining balances out of 19%+ interest rates taken out. So here's how this played out: I have a 720+ credit rating...well I did. I was declined for the "Guaranteed Approval" and two of my oldest credit lines suddenly closed my accounts. Their reasoning was that I was "seeking out new credit lines and they feared I would be unable to maintain my payments with them".

I should be reading reviews first before listening advice from the website with the big name. So much disappointed in this Credit Karma. I applied for the credit card as they recommended. Their recommendation said it would have high possibility of approval. But my approval was rejected, and my already low credit score will go down for another couple years. Also, their website is not accurate itself which is the bad sign itself. Under the Profile and Settings, I clicked Help Center and was told that this site does not exist. They simply do not have any customer service which a second red flag.

URGENT!!!! It's obvious the issues are no longer the customers, it's the company, I haven't been able to get into my account for several months now, I've requested for Credit Karma to have a supervisor to contact, as of today no results, I need to take action outside of credit karma, I told you many times I cannot get into my account, credit karma has failed to help, it's all over the internet that many other customers and former customers having the same issues. I'm very disappointed how credit karma hasn't resolved this issue and doesn't plan to. I use to recommend this company to several people but never again. This company won't admit the errors in the tech department but instead, sends customers the basic same troubleshoots that do not work and are not the issue. THE BLOG STATES, THAT IT MAY BE A BREACH COMING SOON, WAITING ON THE CLASS ACTION LAWSUITS!!!!

I liked Credit Karma for years, but once I started paying down my credit cards my credit scores dropped. In my opinion, you obtain credit cards and slowly pay them off/down then obtain new accounts, that should, again in my opinion, increase your credit scores! Well it seems to me, here lately, that paying down my credit cards makes my credit scores decrease and I'm talking 20 to 30 points. Again, in my opinion, that is absolutely disturbing.

I’ve had Credit Karma for some time now. I had my tax income deposited. Well needless to say I had fraud on my account. After 10 days I had no provisional credit. I even got email stating that I would be receiving it that day. The next day still nothing. I keep getting, "Wait til the end of day." DO NOT OPEN ACCOUNT WITH THEM. Customer service is horrible. Can't understand them and they will hang up on you if you ask for a supervisor.

I was enticed into have my TurboTax refund deposited into a new Credit Karma Spend account with the promise of $100 bonus. Needless to say, they don't make it clear that you have to set up a direct deposit to the account (i.e. paycheck recurring deposit). Thank God I didn't take it that far. So needless to say, I did not find out about this term until I questioned the lack of $100 bonus in my account and got an e-mail from customer service. I told them that that was very shady of them, and that I wanted instructions to transfer my entire balance to my checking account and to close my account.

I also was lured by the 5 day advance. They now have my refund, showing clearly on the app and webpage. BUT...I cannot attach my bank to withdraw funds. Now, 9+ hours later after contacting TurboTax, Intuit, even the IRS, I've gotten nowhere. My bank may be able to help tomorrow, but I figured this out after hours. There is no contact number for CK. Isn't that suspect?

Do not use Credit Karma. Spend account or deposit your IRS check. My account has been frozen for over a week and they are demanding my personal bank account information and driver's license photo. Only way to contact these people is through email which is very shady. I contacted a lawyer and they said no way are they supposed to be asking for this information to verify your identity. They said this is becoming a problem with online banks.

I have used Credit Karma for years. Lately though (last 3 months) I have been unable to log in or get any assistance. The site is often down and unavailable. They seem to have lost all my sign-in information. They have no record of either account (My wife's as well as my own) even though we've been using them for years. I question whether my info was lost, stolen, or sold. How can they lose all that info? I have since found several other ways to check my FICO score and they're more secure. Very frustrating. Now I REALLY do need to follow my credit VERY closely!

We have had a Credit Karma Spend/Save account for months and all was fine then out of the blue because of our spending they flag our card, even after we got in touch and unflagged our card it still continued to decline our purchases. We called three more times to get our issue resolved and all that both departments we talked to wanted to do was bounce us back and forth between them because neither of them had answers.

I applied for the refund advance through TurboTax and was required to sign up for a Credit Karma spend account to receive the funds. Usually I have my refund directly deposited into my bank account. I never received the refund advance nor did I get a denial or confirmation email. I contact customer service at Credit Karma to figure out what was going on and they never responded to my online inquiries. I received the entire refund approximately 20 days after filing, could have had it deposited in my bank per usual. Every other transaction I have made on my card virtual, and physical has been flagged for fraud. I tried to call several times throughout the day, because my card gets locked every time, and got a busy tone every time. Left several online messages as well. Someone from customer service finally calls me doing their own inquiry and I confirmed the transaction.

I used Credit Karma tax for filing last year and loved it but this year they teamed up with Cash app and it was horrible, I couldn't get it on my computer even after following instructions on how to do it. I had to do it in my phone, then I couldn't put in any deductions for our 1099's, not user friendly at all. I won't be using it to do my taxes again.

I have had my @CreditKarma account locked since receiving my IRS refund check. I have emailed and called @creditkarma multiple times and I get no help. They say that the group that can help me is only available by email (how stupid is that). I have provided proof to them multiple times that this is my account and my payment. No help whatsoever. Do not bank with @creditkarma.

When you apply for the cards Credit Karma recommends for you under the heading of "Excellent Approval Odds” the benefits are explained such as 0% interest for 12 months, or a $200.00 bonus for your application, are modified and withdrawn once the application is submitted.

Credit Karma guaranteed me $50 if I was turned down for one of their guaranteed approval credit cards. I was turned down then Credit Karma sent about 10 different emails with 10 different five digit codes one after the other trying to complete Credit Karma's paperwork for the $50 reward. Needless to say the system never worked. Customer service refuse to help and I've never received the $50 reward.

I used Credit Karma for a year and couldn’t understand why my score was low and wouldn’t go up in spite of everything being perfect except one high balance card. I kept getting turned down for credit without explanation. When I went to get a home loan the bank actually talked to me and I found out my score was actually really bad and there was a very bad derogatory report from one bank. That report was wrong and it took me months to clear it up. If Credit Karma had done what I was paying them for, I would have known much sooner and could have fixed it much earlier and not had experienced so many problems. Total waste of money, and trust.

Do not use TurboTax, I sat with my friend and helped him file his taxes on TurboTax. He was routed to credit karma to get a RAL. The money was deposited into Credit Karmas' money spend account and they froze his account. Nobody at Credit Karma will help him on the phone. They send him a email telling him to send them a bank statement from his primary bank account so they can have access to his banking info. Everybody is overseas. They're stealing people's taxes, and Turbo Tax is allowing them to do it through them.

I'm so upset that Credit karma IS NOW Cash App and you are force to download the app. After you're done your refund will go to Cash App. And if you want to transfer your refund money from Cash App to your bank it will charge you a fee. Are you kidding me! I been using Credit Karma for years but after this I will not longer use this.

The whole idea sounds great, you get to see your credit score, which is never accurate. All of your credit accounts usually are correct. However, this is where I get upset. They promote promising outstanding approved offers from lenders, describe the APR and monthly payment which always look great. Proceed filling out the application, which says won't hurt your credit scores, yet they run your credit because I have to lift my freeze. Once all done, the APR are crazy high, monthly payments too. So, I back out. It was a lie from the get-go. They have all of my info, my debt ratio, I have a higher credit score than what CK states, income is higher than what they had originally, I have never missed a payment in over 5 yrs, I have paid off several loans, I am not a risk, far from it, so it is a bunch **.

Well Credit Karma definitely disappointed me. I been with them many years and never had to use their customer service. Well I did and the only One thing I needed, for my phone number to be changed, it didn't happened, after numerous of times sending verification of who I was even though it was my account. They kept asking more and more while saying yes I can accept that, that's when I said enough is enough, close my account and wow horrible customer service. They're not trying to help you. I felt like they were trying to steal my identity. Felt discriminated because I'm a Hispanic, a woman. They were unprofessional, had no compassion, I'm very disappointed on credit karma. They just made me have a headache and now worried because of the verification I sent them.

Open the bank account with Credit Karma. Worse mistake I ever made. I had my paycheck direct deposit into their account yet went to the ATM and was not able to withdraw my money to pay my rent. Called credit karma. Spoke to three Representatives. Customer service one hung up on me. Spoke to two supervisors from 5:00 till 10:00 at night. Had me running to the ATM to keep trying different things because it would not physically let me pull out money. I had to go to the pawn shop in between this and take my chain off in order to pay my child's daycare. Rent is due so now I got hit with another $100 late fee due to their financial institute. It is their responsibility because it is not my fault that their system would not let me withdraw my own money. They take no responsibility and reimbursement.

I have been using Credit Karma for years now. They've really helped me maintain my credit score, and helped me get a new credit card. The home buying portion of the site is also super helpful, and I have enjoyed the services they offer. Doing my taxes last year was a breeze, but this year, because they are now going through Cash App, filing my taxes has been a nightmare! You must have a smartphone, have the space to download a new app AND be able to access last year's tax return, which shouldn't be a problem, because Credit Karma stores all the forms you've filed with them. Or they used to. Now in order to view last year's taxes, you have to contact an advisor on the Cash App.

Due to the recent commercials Credit Karma has been playing I am no longer going to be using credit karma and will be logging out and uninstalling my credit karma account. It's a shame that you try to play politics with a good product and a good idea and you throw all your customers into a less than one percentile category.

I ordered food online with my new Credit Karma Debit card. The store closed unexpectedly. I never received my order. Yet, Credit Karma denied my claim for reimbursement. I do not have money to give away. Credit Karma stood with the business and did not PROTECT me, their customer or my Money from this unethical establishment.

I made my 200 deposit when I logged on to the secure credit site kept asking for another 200. It is a scam to take your money and you get bad credit if you don't pay up. They do not help at all. They only become an additional problem for your pocket and credit report.

I received an email from Credit karma a few months ago, stating that if I signed up for direct deposit before December 2021, a bonus of $150 would be added to my money spend account. Late December I called, credit karma because the deposit wasn't showing on my account, I was asked to send them a screenshot of the advertised bonus, I have complied with every request, screenshot of emails etc.....next, I was told that the $150 bonus would be on my account on 01/06/2022, today is 01/11/2022 still no deposit. I emailed credit karma again, and again they want "screenshots" of the email, and "will get back with me". They even asked ME to send THEM screenshots of THEIR TERMS AND AGREEMENTS, this hamsterwheel is unbelieveable, and I'm jumping off NOW, they can keep the bonus.

I have been subscriber to Credit Karma for years. I have excellent credit with a FICO score of just short of 800. I took the advice of Credit Karma when they made a recommendation for a Chase Bank credit card. I signed up for it and received it in a timely manner. My credit limit on that particular card was $1200. Several months later, I decided to use the Chase Bank card for an online purchase of $359. I was horrified to find that my FICO credit score as per both Equifax and Transunion DROPPED by 19 full points. That one small transaction reduced my FICO score more than buying a car or putting on several thousands of dollars on my other main credit card. Needless to say, I paid off that card immediately and canceled that card within hours. DO NOT EVER SIGN UP FOR ANY CARD CREDIT KARMA RECOMMENDS OR ADVERTISES!!!

I opened a Credit Karma Money Spend account with $7000 on November 11, 2021, and it's been frozen ever since. They haven't offered any explanation. All they have asked me to do since then was send them a bank statement and a copy of my state ID. I opened the account because I thought they were a reputable company, would satisfy their customers, and I would be able to do more with my money because of their products. Today is January 6, 2022. I haven't heard anything from them and they don't return my emails. Since they took my money I've had to move my family in with my mother and it's been hard getting our lives put back together since ALL of my money was stolen on November 11, 2021. I am attaching a screenshot of when I try to withdraw my money and it reads that my account is frozen at the bottom.

Credit Karma is a company headquartered at 1100 Broadway, Oakland, CA. 94607. Complaint: I have used Credit Karma for several years to file my taxes. They have stored all of that information, all of those tax forms, each year for my perusal if needed. When I went into their site this year to begin the tax submission process they had opted out of that and referred me a now sister company of theirs, CashApp Tax. My archive of forms no longer appeared on the credit karma site. The site stated that my old forms would be added soon. They have no phone number by which to reach them; the one that is posted on Google states that you should visit their website to get their new number, but there is no such number listed.

I have been with them for few years. I recently out of the blue account was deactivated and I contacted and to no avail just a security issue. I said explain and they said no they can’t at this time. You keep what you pay for.

I used Credit Karma for a few years and was satisfied. Then they decided to get into the saving and secured credit card business. I deposited some money for Christmas. I never got a card although they said sent one, I requested another card. Activated it and as per credit karma used a ATM at CVS Pharmacy. I was getting money for Christmas. My transaction was declined. I called and spoke with a female and explained the situation and requested a paper check on December 14. Called today December 21 because no check and Christmas is 4 days away. I demanded a paper check overnighted to me. No they threatened me with if I closed my accounts I would be allowed to use their services. What, am I crazy? By email they said the check would be here in 7 to 14 days. Christmas is over by the time the check gets here. Don’t use their Savings or Spend, especially if it is for something special or an emergency. These guys are scum.

They promote credit cards that have horrible business practices. They guarantee your card in six days and except your money and 20 days later they still haven’t even processed your stuff and this has been on multiple accounts. Merrick bank Opensky bank all of the cards they promote are trash and they are trash for promoting them.

I'm cynical about credit agencies and their cozy relationship with banks and big business arrangements. Credit Karma offers a service to check how they respond to your credit actions and offer free tax preparation, so I find them useful. If you don't have one late payment on Transunion, Equifax, or Experian in your entire history, you can still be seen as a credit risk if they don't need your business. I recently refinanced my mortgage, for a lower rate and payment without taking out any funds, and they dropped my credit score 21 points.

Credit Karma sells your information whenever they see you're trying to apply for a mortgage or a loan. It is ridiculous that you would use this service to monitor your credit and then they are actively using you to get money. This is not a free service and their credit report has consistently been off by 30-40pts. Many banks and dealerships caution relying on them as your credit score gauge. It is better to find a bank or use Experian directly for credit monitoring. At least then you are getting offers for loans that are a bit more legitimate.

Credit Karma and One Main listed me as having "OUTSTANDING " approval odds of a $5500 loan at 11% interest. I was approved for the loan but when I spoke to the lender, they said 26% interest, not 11%. I would have NEVER dinged my credit report if I knew this was a possibility. I am livid. Do not ding credit based on the loan/credit card offers Credit Karma provides if you're biggest concern is the accuracy of the interest rates.

Do not sign up for a spend account with Credit Karma. I accepted their offer through TurboTax to have tax credits deposited on their card for faster returns and a $50 sign-on bonus. I had no problems until I tried to transfer the money out of the account to my bank in August, 2021. They have since frozen the account, keep asking for more and more information from me, do not follow up on service calls and emails promptly, and have not resolved the problem. They escalated the issue to a department that doesn't have phone support so I cannot communicate with them. I've had thousands of dollars in tax credits held by them, which I believe amounts to fraud. I've submitted a BBB complaint, called the MVB bank, which is connected to Credit Karma but is only able to issue a new case number. Hopefully, I will get my money back, but uncertain at this point. Do not use Credit Karma!

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.