Credit Karma Reviews

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.