Credit Karma Reviews

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.

I've been a Credit Karma user for several years, and lately I've noticed that periodically, maybe every 3 months, my TransUnion score drops by 50 points... and the "recent changes" they report are actually that my debt has been reduced! There is no reason for the score to drop by 50 points in one day, when nothing has changed with my accounts, and I have not opened any new accounts. Then a few days later, my score jumps back up by 50 points. I think they are screwing with me trying to get something from me.... but it is annoying and alarming. It's also strange that my score through Chase Credit Journey is quite different, and my score through Wells Fargo is quite different. I really wish this entire thing was more transparent and understandable... HELP, ELIZABETH WARREN!!!

I have had this checking/savings account less than a year with Credit Karma. Signed up through TurboTax and thought this might be good to Montior credit and also their savings had a good percentage rate. Along the way a couple things here and there that were just A little weird but no biggie. So recently My checking account was frozen. I went to use my card and I was never notified and there was no communication via text email Or anything. I called in. They just said to me somebody is looking into it. And they said here's your Case number. Here I am 14 days later!! Today I was Calling in as a not-so-happy customer as anyone could understand because for two weeks now I've had the same situation every time I call in.

It takes forever to load pages on the Credit Karma website. Slow slow slow and annoying no matter what internet or device you are using. Pages take forever to load. Fix this and credit karma is great.

Well, to begin with. My TransUnion score has not been updated since May 29, 2021. I was patient and waited until approximately August 6 to report the problem. STILL not resolved, I get no update emails, I have to keep writing back and the stock response is, someone is “reviewing” the problem. Ok, over a month?!? So, I decide to try to cancel account, but I can’t do that because I foolishly opened a Credit Spend account. Even though there is no money in it anymore (foreshadowing?) I was told to call to cancel that. I did so, but SURPRISE SURPRISE, that has to be reviewed too.

I’ve had this Credit Karma app for a few years now. All it does it take up space on my phone. If you don’t have a great credit score already then this app does nothing for you. No references, the credit information is super inaccurate, it doesn’t show the things I need to better my score. I tried to reach out to customer service but all my emails must have gotten “lost”. I managed to get my own loans that Credit Karma says I wasn’t eligible for. Maybe once upon a time they may of been good, but now that’s like comparing Facebook and MySpace. They’re outdated and no longer relevant.

Credit Karma is way off. Do not trust their scores. It says my scores are Transunion 677 Equifax 640. Talked to a mortgage lender. Actual scores Transunion 606 Equifax 579. They are a scam. How can I trust their scores with a difference like this. WOW.

My account with them has been frozen for 2 weeks! No explanation whatsoever! They have ruined my life! Haven’t been able to go to the doctor and then today I wake up to my power being cut off because I can’t use my money spend account! Their customer service team is a joke. I’ve been calling them every day. Sending emails and nothing has been fixed! I hate I chose to get a account with them! Now I’m sick in a house with no power in 96 degree weather! All because they won’t unfreeze my account.

On the Credit Karma website it states on there that if you pay off accounts on your credit report it will boost your credit score. This is all lies. I paid all my doctors bills and nothing happened. I have them paid for deletion letters but when you email someone their response is that it could happen. There is no way to send anything to Credit Karma for them to send it to TransUnion, or Experian. Basically this is free and it's just to watch over your credit report. I have tried to dispute things with transunion and experian and it states to give it 30 days but it comes back within 3 days give or take that there is nothing they can do. I am glad I did not fork over any extra money for this website.

So I kept seeing my score at Credit Karma and it’s always listed as fair. My score has hovered around 650 for two years. I don’t want to buy a car and get pounded on the interest rates. Their site directs me to many lenders that quote rates at 11-13%. Ouch!!! Well, I wanted to see what better rates a dealership could offer. I went and was SHOCKED! My actual credit score through Experian was 710, Transunion score was 715, Equifax 710. I got a car at 4.3%. Makes you wonder if they lowball scores in order to entice you to sign up for subprime credit and get hammered by fees and interest. Seems quasi sketchy.

I have decided to open both spending and savings account with Credit Karma back in June and I was able to deposit money in both accounts. When I received my debit card I activated it and later on that day, I went to purchase groceries and came back declined. I went online to check my account and everything looked fine then decided to transfer money to my other bank account and noticed a message stating my account is frozen. Anyways, I called customer service and they said they will put my account on “High” priority. Well with all the calls I’ve done, including emails.. Nothing has been done. All they tell me is, "Your accounts are still being reviewed." No one there can tell me why my accounts are frozen. When I email, nothing! No replies. It’s sooo frustrating. I’ve been really patient that I feel than most. But now I’m trying to close my accounts and they said this will take a few days. Let’s see. (((SIGH)))

With no emails. No communication that the account was being deactivated. This is a service that used and promoted by the United States government to complete your taxes. Our personal information is on this website and they have completely deactivated me without the chance to get my documents. Stay away.

I have been with Credit Karma for several years and they have served me well. I have been educated by them on reviewing my credit report, they have shown me the best credit cards to sign up for, they help with buying a car, buying car insurance.

Credit Karma is always refreshed and lets you know about your credit score. It offers ways to fix your credit and reduce balances. It also has recommendations for credit cards and other ways to fix your credit. It has a link for unclaimed property that you can access through your own state to see if you have some money floating out there. Overall good site.

This site provides the information I need when checking out my credit score and availability. It also keeps me posted on any changes that take place, and it's FREE. It also offers opportunities to obtain credit from various sources based on your score, and provides detailed descriptions of all your credit use compared to your credit availability, and how that use affects your score.

How I feel? About those who steal into my financial information? The answer is "ANGRY". Credit Karma is doing a good job of notifying consumers when a data breach occurs. I appreciate being notified.

Very wonderful service. Thank you!!! Looking forward to fixing my credit. And moving on to better finances. Looking for better housings, and jobs. My credit needs work, so I'm working on it!!! I know.

I love that it's a free service for those of us on a budget and on top of that, they provide the ability to help yourself set up and stick to a budget which is personalized for you! I like the immediate and frequent alerts regarding any charges made and changes to my credit score. But I love how they let you categorize your spending and lay it all out for you in easy to understand charts!

CreditKarma is additionally including 2 out of 3 credit reporting agencies compared with others. Their website steps & approaches are very professionally nice & easy to include. They additionally are including more details about recent Credit Card advertisements.

I get emails when I have a change in my credit score or if a new card has been opened in my name. I haven't had any problems with Credit Karma ​at all. I'm pleased with their services. But if there is something better out there I would give it a try.

I find using Credit Karma is extremely easy. I enjoy being able to check two sites at once, and verify where my credit is at, and where it is headed. I would recommend it to anyone interested in staying on top of their information.

Credit Karma’s a great tool to see your credit scores. When you sign up, the site sends notification emails when there are changes to your credit profile. On their site they have offers and advice on how to increase credit scores. I rated 4 vs 5 because the site only shows two of the credit bureaus scores and not all three bureaus. When I visit the site, I’d like to see and compare scores from all three bureaus. Otherwise, it’s a great site.

I like using this credit management site because there’s an additional option to add a savings as well as spend account. Savings also pays interest on the balance. I would recommend this to anyone looking to keep up with a credit score.

Credit Karma gives you score updates, reminders to check your credit score to catch any potential red flags, and when there has been a change to your score. The app is easy to use with at-a-glance score "speedometers" that display TransUnion and Equifax scores. Ads for credit card applications are easy to skip past.

They have helped me monitor and build my credit for 6 yrs! Great app! I Would highly recommend. I also use them for my taxes, it’s free and easy to use, saves time and money! I tell all my friends about this service!

Not only do you see your credit score you get all credit line limits and balances and you can see your full credit report and any other accounts such as auto loans also are up to date. Credit Karma has many features and tools to do other things credit-wise such as home loan shopping, credit card shopping, auto loan shopping and many others.

The site is very easy to navigate. It gives you breakdowns of everything contributing to your score and which ones are important. It also give suggestions for ways you can increase your score (paying down this, keeping older cards, etc..) and new cards that for which you would qualify.

Credit Karma is easy to use and is supplemental in helping one build and know their credit status. It has different avenues to see and venture of what needs to be done for you to get your life back on track and be financially stable. My use of it has been good and it has helped me build my credit.

It’s free and does a great job of covering basic information and changes on the report. Most credit monitoring companies want an arm and a leg for what Credit Karma does for free. It’s worth every penny and then some.

I have been using Credit Karma for free for many many years. I have never felt the need to switch to any other reporting site. They are fairly accurate minus some details I have heard creditors say they saw on my report which I couldn't. The only thing I wish they were more detailed on information on ways to get your score higher. Maybe a bot or something that was detailed on the best corrective actions for your credit besides new cards or loans.

Credit Karma is so delayed and it absolutely never reports in REAL time! Plus I've compared all other credit reporting tools I have with other creditors that are offered & the fico score provided by Credit Karma seems to always be less in comparison. I've noticed a delay of 15-25 days based on billing cycle of course.

I love Credit Karma! Their app is amazing and super user-friendly, they have great information to help out the consumer. This aids in informing the consumer and helping them to increase and better their credit score.

Credit Karma gives helpful advice on managing your credit with incentives to raise your score. It's helpful to check your credit score at least every few months to view recent activity and correct any potentially false information.

Ease of use. Website is very user-friendly. Data is always up to date. Gives good recommendations on how to improve credit score. Would have given higher score if it didn’t try to push loans and credit cards.

I have used for several years but just learned, embarrassingly so, that since they compute credit scores differently than big 3 credit companies, the score shown might actually be higher than your credit score when a company requests score from those big 3. I thought mine was getting better but when I applied to get my roof re-done, my score from a big 3 company was Way below what CK was showing. I suggest checking several sites to get a better idea.

I like that this site is free and they alert me when a new account is opened or other activity so I can confirm. I can go on and see my scores whenever I want to and I can also apply for loans or credit cards on their site.

I started using it about 3 months ago. So far I am happy using it and it's very easy to get around it when signing up. I just do one click and it tells me my current standing, I got the idea to sign up by the commercial on TV.

Credit Karma is easy to use and tells me if there is something going on that shouldn't, easy to make inquiry if something not correct, and will place a warning if there is a problem.

Credit Karma does a great job most of the time. But there's way too much automation and it seems like you're not actually dealing with human beings. I realize they only report my scores rather than creating them but their site can often leave you frustrated such as getting email notifications with links that carry you to the wrong page so you have to manually search the site to see what they're talking about. At times it feels like they're spamming me because there's really nothing there for me to see when I get there and when they offer things like winning money, there's always a catch such as joining to get their debit card which I already have so many debit cards I simply do not need another... and that leaves me out on their giveaway opportunities.

The Credit Karma App is easy to navigate, easy to see your credit scores and checking your credit cards is a simple affair. Also, I like it that I’m notified by email of any and all changes. Finally, there are all kinds of information about credit card usage, available credit cards, and loans that I should be able to get if I need them.

Access to Credit Karma is so simple and receive updates via email. So many of the other sites, one needs to place in calendar for checking/accessing routinely. Not to mention, they tell you how you're doing credit-wise as their format is concise and simple.

Credit Karma, just like Credit Sesame, is a Complete Scam! They make your credit score 60 points Less than it really is to try to get you to utilize one of their services to fix your credit. My score is 60 points higher on the Real credit bureaus (Equifax, Transunion and Experian) that are looked at by real lenders and credit card companies. A score of 658 is MUCH different than the score they gave me of 598.

When checking my credit score on Credit Karma I noticed there was approximately a 20 point difference from the Equifax and Transunion score. Both agencies had my score higher than what Credit Karma had it listed. I contacted them and got a long email about how they don’t rate the credit scores. They basically report it from corresponding agencies. Explained that I had in front of me my recent Equifax and Transunion reports just sent to me and there is a significant difference. Was asked to send over a copy of reports and did so. Received a generic response again about how they only report the information provided by the credit agency’s and no answer to why even though I provided the agencies report why a discrepancy existed. IMO Credit Karma is helpful in monitoring credit in an ancillary way. I question the accuracy of the their information and would recommend following up by requesting your actual reports.

I wanted to share how sick you have made me by producing a commercial that tries to condition the minds of my country into thinking that a homosexual relationship is the norm. You should be ashamed. I pray that God heals you and shows you that what He created is what we should be. A man and a woman. After all, even an animal knows better than that. Also, I will make sure everyone knows exactly how your company feels. I will make sure that you will not receive one thin dime of my money from now on. God Bless.

I have NEVER in my life experienced anything like what I am currently going through with this company! I had to hire a lawyer finally after 6 MONTHS of trying to get some answers and have access to my funds! NO ONE knows what they are doing! NO ONE has any answers! They actually continued to REFUSE to transfer me numerous times to a supervisor or appropriate department!

It's a simple and hopefully safe way to bank, and as well check on my credit. It's something that you don't need to go to a physical building to get your banking done. At my age it's better to bank online.

First let me say, I used Credit Karma for many years but recently, after accepting a loan invitation by one of Credit Karma Sponsors, I got locked out of my credit Karma Account. I think they compromised my credit. I have used Credit Karma for years. This "popup" about a pre- approval for NetCredit kept showing up that I had very high approval odds. I didn't really need it so I didn't bother for a while. Finally I applied via Credit Karma to NetCredit for the loan. It showed that I was approved. I submitted all requested information. Then a lot of emails kept coming requesting more and more information. I questioned them because it seemed strange. I had never had this problem before after approvals of loans, credit cards etc via Credit Karma. The more I asked questions the worse it got.

Credit Karma started out as a great FREE way to monitor my credit report. As time went on the adds increased for me to HELP my score by applying for a new credit card. Eventually I did just that. Immediately my score dropped. A hard inquiry being reported. But as time went by it SLOWLY regained itself back to what I felt was decent, 700, but not quite what I wanted, 750+. Due to a vehicle breaking down, I decided to use 1500. Of my new 11k credit line. To pay for repairs. I had the cash, but was contemplating buying a new vehicle and wanted to save for a down payment. Immediately my score dropped. From 749 to 713. Not what I wanted to happen at all. I ended up purchasing the new car and lo and behold my credit was just under 800. Credit Karma had been lying to me all along. Stringing me along to try harder and harder to stimulate my credit and in turn LOWER MY SCORE. CREDIT KARMA IS A JOKE!!!

I started using this for my taxes and changed my mind almost immediately. I wanted to deactivate my account and data, instructions on site did not work. I sent an email to their support and they said they would deactivate it for me. It was never deactivated! I get email after email daily from inept support people that it will be deactivated with my response. I sent them 5 responses saying to deactivate it! Today I got two more emails from different support people. This place is scary to say the least. It should be monitored by the government. It's sneaky and inept. They have too much information on you?

Chat for help doesn't work on Chrome for me. Use Firefox or some other browser. I had a problem and couldn't reach them. Other than this it is a good product. Taxes are hard, and going through the whole Credit Karma form takes a long time.

Credit Karma makes money from its advice. It kept advising me to add an additional credit card to increase my score. As soon as I did that, I get a warning email from CK that I added a credit card and that the new card "...could definitely impact your credit score (like by lowering your average age of open accounts or increasing your total number of accounts)." What gives?

As much as people are advised to use VPNs to protect themselves some incompetent sites block VPN IP ranges. Inexcusable incompetence!! Even BANKS allow me to login no problem. This shows the calloused attitude of Credit Karma, not to mention the garbage ripoff recommendations they give to people.

I have been trying to deactivate my Credit Karma account.. Each time I try I get a msg saying that I have to close my "save account"..so I did. I am still getting the same msg and I am being prevented from canceling my credit karma account.. This has been going on for days and I have sent numerous requests to cancel my credit karma account.. Each time I send a request for help I get instructions on how to cancel which leads me back to being told to close my "save account".. The circular communication has been going on for days and still my account has not been deactivated.. Additionally each time I open a "support case" I get this robotic reply..

I think your "pre-approved" offers are a crock of **...I would rather pay for your service than to have you lead people on to apply for your pre-approved loan offers. The loan offer that I was supposedly approved for not only pulled a hard credit report when it stated it would only pull a soft report and not affect your credit score....

Every time I have check my score it has been way off. This last time it has been off more than 100 points. I would say it is usually off by at least 50 points every time I check it compared to the bank. It’s not worth using because it’s misleading.

I have been with Credit Karma about a year now and up until this week I believed that Credit Karma was giving me accurate or close to accurate vantage scores from Trans Union and Equifax. Here is what happened that changed my opinion of Credit Karma. A few days ago one of my creditors reported 3 positive comments to Trans Union, which were; 1) two on time payments were made for January and February; 2) I received a very generous credit increase; 3) my usage decreased from 54% to 6%. Now you would think that with positive comments that my score would jump at lease a point or two, but I was shocked to find my Vantage score dropped 88 points. The reason(s) for the point drop cited were the ones I listed above.

I am a senior citizen and a retired educator. Being of little means, on social security, I wanted something simple, secure and reliable. A few years ago when I was looking for such a way online, I stumbled across Credit Karma. Before I went there, I began the process with another online entity that advertised itself as free, but near the end of that process they asked me how I wanted to pay their processing fee! With Credit Karma, there are no games. What they advertise is what we get. I am very happy with them.

Credit Karma has given me so much help but I have build my credit score back up and I am living a much better life because of them and their help. Thank you credit karma. You are fantastic and I mean that.

Had used Credit karma for a while until I switch phone numbers and reached out to the help email. They wanted me to send sensitive info via email. Then when I asked for another option started patronizing me. Too many companies around like this to put up with unprofessional workers who are supposed to assist the customer. Just a warning do your research find another company... Credit sesame, Bankrate shoot even just go directly through Experian... That is what I am going to do now.

In 2019 I used their tax service to file our taxes only to discover that although the I.R.S. received my payment they NEVER received my return. Now I can't file my 2020 return until they process my 2019 return that I had to pay another service to file on my behalf. This also explains why we never received the most recent stimulus payments since it was based on your 2019 return. DO NOT TRUST THEM! I have found numerous complaints on the Better Business Bureau's website for the same thing.

Take heed of the saying "you get what you pay for". As a Credit Karma subscriber I was pleased to learn that I could file my Federal and NYS return for free and save $80 which is what I paid using Tax Act. I completed the data entry process which I admit was quite straightforward but before filing I printed out a draft PDF of the return. I saw that Part III of Schedule B was left blank and a residency question on the NYS return was answered incorrectly. I got on the support chat and the representative said he would have to get back to me via email.

This year we used this software to prep and file out tax return. It was pretty easy to complete everything and they even explain where to look for the info when we felt confused. The numbers on the IRS and the State return were consistent with what we got back last year, so we went ahead and filed it. When we printed the docs in the PDF form, the numbers were totally different. There was nothing ours, only our SS. They said that we earned more than 250.000.00. We wish of course that was true, but it is not. As a result we have to pay this creasy amount to IRS on the money we never saw. We wrote them because there is no way to contact this Karma. They never responded. I regret that I dealt with this company very much. I should of listen to my head. Use my experience, stay away from them

Very satisfied with this service from Credit Karma. Had my return done in just a few minutes. And unlike TaxAct and TurboTax, there was no charge for my filing, state or federal. They both wanted to charge around an extra $40 to complete my filing (because I had a lottery winning). It truly is a shame since I have used TaxAct exclusively in the past.

I have been using Credit Karma online tax service for several years, very simple to use, online help available, totally free to use, processes to IRS with quick results, regular email updates, I would definitely recommend using them.

They failed to inquire about the rebate for the 2nd EIP refund, I had to file a 1040x subsequently. This should have been automatically a go-to for all online filings right now due to the urgency of our financial needs especially during a pandemic.

Credit Karma's tax service claims 100% accurate calculations and free audit protection. I just received a proposed correction to my 2018 taxes saying I owe over $7,000. It was great to find out that their audit protection covers you for 1 year after filing your return. After that, they basically get to avoid all responsibility and ignore all emails. The third-party audit protection service they use informed me that I would qualify for help if I filed my taxes with Credit Karma in 2019. I will never use the service again and recommend no one else do. They don't do what they promise and leave you to clean up the mess by yourself.

I had to quickly transfer money from Credit Karma account to my checking account at my bank. It was an easy transaction to make because the instructions were concise and easy to understand. It stated that it would take between 5-7 days to transfer but it was done in 2 days.

Credit score reduced due to pier one closing their credit card service. This has happened before. I didn't use Ginnys anymore so they closed the account. Deducted points again. All closed accounts are resolved except Navy Federal and Victoria's Secret. Yet they continue to sen emails about them. They refuse to help when a creditor who said a owed a large amount of money. Freedom Debt help me. Constant solicitation. Often false as you can log in and view their promotions. I could not reached them by phone or email.

I wanted to check my credit score as I've never done that before. I thought to try Credit Karma. Being in Canada went to the Canadian site. I tried multiple times to get a score, but each time they said I have a thing file. I had to look up what a thin file was. Fair enough. Now a few days later (November 2, 2020), I have had various companies calling and texting me about fixing my credit. No. All I wanted was my credit score. I had to tell two of them I wanted was my credit score.

Using a VPN is supposed to help keep your private stuff private but Credit Karma doesn't allow me to access my account using a VPN. Companies who block VPN's should be avoided. When companies block VPN's it sends a message that they are probably selling your stuff.

Credit Karma keeps up with you credit scores and any financial information you care to share. Recommends card options they feel are better for you and loans with better terms. Also provide tax service and notifications on changes.

Credit Karma continued pulling money from my bank account for their new "savings program" after I lost my job. I tried to discontinue the withdrawals, but no longer had access to my work phone so couldn't log in and this was the only option available to verify identity. NO CUSTOMER SERVICE NUMBER AVAILABLE! I used their contact form on their website to report my issue and they wanted me to send photos of my DL and another form of personal id over email, and I told them I would not be doing that for security reasons and someone needed to call me to resolve this issue asap or I would be talking to an attorney.

CK score is 80 points less than Transunion on average. I have huge income and never miss payments....My accounts' balances are high often but never late...Nothing derogatory...Very few inquiries...and I am at 663 whereas I'm a at 746 TransUnion ...Seriously? Some accounts have zero balance as well....It's just not a good guide for credit. I attempted to tell them and I meant very little to them.

I've filed tax returns with Credit Karma for 3 years now. While the software is more clunky (particularly when trying to return to a given section) and the guidance less helpful than TurboTax, I was willing to spend more time googling answers in exchange for free tax filing. However, this past year not only did I have to file an amendment because Credit Karma incorrectly calculated my state income taxes and notified me thereof a month after I submitted them (almost doubling the state taxes I had to pay), but my state then assessed me for more taxes than even the amendment said I had to pay. Given these calculation errors, I'm hesitant about relying on Credit Karma in the future for my tax needs.

I’ve enjoyed CreditKarma, appreciate updates, etc however they recommended Fingerhut to build credit & that has done anything but. CreditKarma should read reviews on policies hurting consumers. For instance, fingerhut extended a “temporary credit line increase” of $700, the catch you have to use it in order to keep it. I called to request that they not do this again, so then they reduced my credit limit of $1600 down to $1000, which of course both of these moves have adversely affected my credit.

Someone stole my identity years ago and made a Credit Karma account. The thieves attempted to take out loans in my name and opened up various accounts, including a Credit Karma. The company will not delete the account and will not provide any help to me. They are extremely difficult to get in communication with and are based in another country. I emailed them dozens of times to either give me access to the account or delete it but they will not comply. Since I did not create the account, I have no way of changing the password or accessing the email it was created with. I feel that this company is victimizing me even further through lack of empathy and cooperation. Short of hiring an attorney, I feel that I have no true recourse to recover my identity from them. This is one of the worst experiences I've ever had. Horrible company!!

Credit karma is partners with Citibank credit card allowing this bank to offer pre-approval recommended credit cards...but when you apply with good credit you get denied causing an inquiry that Credit Karma holds against your scoring.

I will not be using Credit Karma as it actively prohibits the use of VPN online. Most people access the site on their cell phones and VPN is essential in this era of online theft and privacy issues. Also, I read that many of these online sites are gathering and selling customer information. Have instead turned to Credit Sesame, which allows me to use VPN. Get with the times Credit Karma and stop ripping off your customers.

We used one of our available credit cards for convenience only to pay a large purchase. We routinely pay off our credit card balances to zero. My credit score was reduced by double digits because of this charge, which was paid off upon receipt of the statement. What is the purpose of having credit cards for convenience instead of paying by cash or check? Credit Karma appears to be trying to influence me to subscribe to their services by manipulating my credit score. I am not interested!

First let me say I have been on Credit Karma for years. I get offers to apply for several credit products that does not hold my best interest at hand with credit karma. The financial institutions they use are very high interest rates and credit karma should be here to help you not get into more debt with high interest rates, but they pitch them to you as if they will help but the they will not. You will get a better rate somewhere else but not with credit karma companies that pay to be on their site.

I assumed CreditKarma (CK) was correct and interestingly enough, it never altered. Constantly reporting daily updates, and stating what I could do to better my score. Using these score as a determining factor, I applied for a mortgage. It was determine my score reported in by TU actually is 819 while Ck had my transUnion score as 690.

I notice that I have been getting emails from financial providers which I’d never sign or gave permission on loan application. No signature’s or anything that’s obvious if I am referencing digital documentation. Also, contacting them is extremely horrible, trying to remove myself from there data base is difficult.

I have been using Credit Karma for a few years now. I signed up to get an overview of my very less than perfect credit and was pleasantly surprised that it wasn't as bad as I had anticipated. The site is easy to use, offers tips on how to improve your credit, and the information they provided about my accounts was accurate. They offer free tax filing and keep track of your information.

Using an existing account with old email that I can no longer access so I needed to get into and change email. Refused to help without me send 2 forms of identification such as state ID, military ID, birth certificate, social security card, passport, or green card Through random email. Not linked to their website, or explaining the process, or how they would be used.

I downloaded the Credit Karma app about 2 or 3 years ago because a friend recommended it. I knew I would be purchasing a vehicle so I thought it would be a good idea to help me monitor my credit. WRONG!! When I actually purchased my vehicle, my Equifax credit score was just under 100 POINTS lower than what Credit Karma was reporting!! I also received a follow up letter from my finance company confirming that they, too, saw the lower score. I immediately uninstalled the app. It is helpful for alerting you when there is an inquiry into your credit report. But I'll stick to getting my free, ACCURATE report directly from one of the major credit bureaus!

Closing the Account is Deliberately Difficult. I received an email from Credit Karma. I do not recall asking for an account as I have several years free with Experian. There is no "unsubscribe" link in the email. The link there is takes you to a general issues page and you might eventually fill out the two page form successfully - or not. On my first try the "Date of Birth" feature required me to move backward twelve months, one at a time times 70 years. Unless I entered a correct (?) date of birth I could not advance in the process. I question whether or not it's legal to offer no unsubscribe option AND no notice as to why I'm receiving their messaging.

Credit Karma has good guidelines but lacks in common sense. They offer products that are too costly. My credit card from a credit union is half the interest rate offered by suggested credit cards. I also obtained a personal loan from one of credit karma' s suggested companies and what a mistake. Went to credit union. Received lower rate and saved over $200 a month. Credit scoring doesn't look at the fact you saved lots of money per month refinancing, on loans and credit cards. They look at the fact you "closed an account". Money is being paid back faster and debt is reduced faster. So instead of being so fast to look at accounts opening and closing. How about looking at what is happening like, lower interest rates on credit cards, personal loans and mortgages. They are too quick to notice new opened accounts and not quick enough to see closed accounts that had higher interest rates.

I have to give it to Credit Karma for the truly free tax return prep. However, if you're relying on their scores at the auto finance table, prepare to be surprised. The two scores Credit Karma showed for me consistently, with no change, were 781 and 782. Imagine my surprise when they ran my credit and it was 732. Fifty point difference. It's a fun little service to play with but it is NOT your loan application score by far.

I absolutely love their service and have really I do not have any complaints, although I wish I would be able to build individual profiles under one account and connect my whole family under one account.

I use this free service to keep track of my credit. I get automatic notifications when my credit file is accessed or a credit check is run. I can freeze my credit files through the Credit Karma app. This is a totally free service and it's excellent for keeping track of your credit and fico scores as well.

Credit Karma offered a $300 sign up bonus if I spent more than $1,000 in the first few months of receiving my Discover Card, which I did. I never received the bonus. When I contacted Discover Card customer support said they knew nothing about it. After several emails to Credit Karma I was told other conditions might apply and was told to contact Discover Card. I will never apply for another card through Credit Karma and will never use my Discover Card again. Please be aware of the bait and switch scam they are conducting.

Everything is good until they asked for proof of identification when I got locked out of my own account. There was nothing wrong with it so what happened to the old account. I already identified the first time with adequate information. Now you want things I don’t need to share or give....suspicion now and I was too trusting. If I could go back once they started asking for more identification I should have just left it alone. The concept is great. The website is helpful. I don’t think it’s FREE in the long run. They state Free but in the sense of no money upfront. Signing up not the problem. It’s what they ask for making you the owner create another account (this is not good business practice and deceptive). Now it’s open for Someone to ?.... You fill in the blanks. I’m disappointed. I really like the site. I would have paid a small fee if the company was honest and upfront. Now I don’t trust it anymore. I won’t do business through them like I was going to.

I went to Credit Karma's free tax filing service this year, but was unable to get past the page where you consent to give away all of your tax information to marketers. This is in spite of the fact that it says right there on that page that they cannot force you to consent in exchange for filing your taxes for you. I chatted with their online support, but they wanted to email me instead. When they did email me, they told me to just go ahead and consent if I wanted to continue. Maybe they figure that the government is too busy to chase after them, but it's not legal, and certainly uncool. They should make their money some other way, not by taking advantage of the virus shutdown to milk more information and money out of folks.

I was asked when filing my taxes through them if I wanted to put some of my refund into their high yielding savings account so I did. After they opened my account they asked me to link a bank as that is the only way to get money out or put more money in. I have 3 different bank accounts and I was not able to link any of them. Since it was a small amount I wasn't too worried about it. Well the IRS decided to put my full amount in there not just the small amount I wanted.

I wanted to update my information phone number and Credit Karma is now asking for proof of Document like my pictures of my Drivers license and Utility bill! So I thought ok I’ll send my ID and Utility and now there asking for more information like my passport and other personal information Sensitive documents!!! So My question is did I have to do this when I first installed Credit Karma app?

I hear commercials all the time for Credit Karma and decided to sign up. It turns out someone else signed up for my information. So I emailed them to ask them to fix it, and it 2 weeks for them to respond. Now I have to provide them with a ton of documentation to prove it is me. Why was this documentation not required from the person who essentially stole my identity? They are joke outfit and I would not recommend them to anyone.

Last year I filled out my taxes late and without any help. The app guides you through the whole process taking you with ease, step by step, lets you fill both state and federal taxes and tells your possible tax returns. In less than 15 minutes I did my own taxes, the returns were processed, approved and deposited in less than 30 days and, which is better yet, totally free.

I have been trying for months to login into my acct. I have went thru the process they suggest to change your password. I will change password, immediately try to sign into my acct and it still states my password is incorrect. The site doesn't do me any good if I can't sign in to see the offers they are emailing me to take advantage of.

Credit Karma, in the past, was a quick and reliable way to monitor their version of your credit rating. HOWEVER, try to dispute a report or entry to your report, there is NO CUSTOMER SERVICE. I have tried to contact them because they keep sending me emails that I have missed a payment on a credit card that has been closed for over a year. Credit Karma assigned a case number and they never followed up or responded. Many, many inquiries requesting a status go unanswered and ignored. Further, I feel like I have been targeted by a stalker, I cannot make a simple purchase on my paid in full credit card but Credit Karma lowers my credit score for a $40 purchase. I am looking at the new Credit Sesame service and will unsubscribe from Credit Karma, which has become worthless and unreliable.

Never knew Credit Karma had a tax service. It was so easy to use and free! I even did my taxes in a "pay for program" (to compare the totals) and got the same result so knew it was legit. I did not have to use their customer service since it was easy to use but looks like they would be available for all questions. Even has protection in the event of a mistake or audit. Surprised they do not advertise this. Very impressed and would use again.

Credit Karma tax is really simple to navigate. Menu options are clear. He’s at access could be better when flipping from page to page of being able to take a snapshot of W-2s and it load your information that’s great.

Easy to use, step by step application. They make recommendations for other credit deductions. It was free of charge as well. One thing that could make it better would be to also file state not just federal. Easy app to use and easy check in to follow the process of my funds. This is my second year using the app and have had no issues.

Fantastic and informative software. The program was very easy sometimes too easy I thought and gave professional results. I even had a problem and a live person called me right back. Great service.

The Credit Karma helps keep track of your credit report. Also offers free tax service with help if you are audited. I would suggest everyone try this service as it's all at no cost. I’ve been using this for the past 5 years. They also help prevent Fraud.

The credit score I asked for came quickly and I have no issue with the service they provided in that way but I did not agree to promotional emails. It would not have been a big deal if there was an unsubscribe option that could be found and worked. I have sent emails, made phone calls and still they come. So use it if you don't mind unsolicited emails, they and others that do not provide an easy to find unsubscribe option are offensive to me. John **. Given the business model I have experienced I doubt they monitor reviews but perhaps I will get lucky.

I have had an account for Credit Karma for years with no issues. At the beginning of 2020 I cannot access my account. I have changed my password and to no avail, it still does not work. I have sent numerous emails to their customer support and have not gotten a response back. I am very frustrated and no one is helping or has even contacted me. I wouldn't waste my time signing up for this. It is more frustration than it is worth. As soon as I get a response back, I will be deleting my account.

Scam. I think they are selling our information. I also could not get in touch with anyone there when I was locked out my account. It's 2020. What is this? At first they responded to my first email then it's been 3 days and I haven't heard from anyone. Wth is going? I would think a company like this has this figured out. What a joke. I had to use a completely different company.

I replied to the advertisement and tried to open savings account. I received an error message “unable create an account at this time”. Forwarded this message to customer service. Received the reply: THE MESSAGE “you are unable to open an account at this time” means that you are unable to open an account at this time. Please try again later. I received 4 emails with this text over 2.5 months period. Once I sent the email asking WHY I couldn’t open an account and received the reply: "We don’t know why but we can assure you that you are unable to open your account at this time." They continue this type of email thread with no action for almost 3 months now.

I am trying to reset my password and access my account and have not been able to. I was hoping to call but there is no live support. I sent copy of my ID but it wasn’t accepted. I tried to send an email to support but was kicked out. I have received no email stating a receipt of my need for assistance. If I cannot talk or chat with someone how do I access my account? Very very frustrated, how do I prove I am myself?!

In Feb 2020, I signed up to use Credit Karma Tax to do my income tax returns online. During that process, the website recommended to me that I should apply for another credit card because credit bureaus look more positively when you have more than one credit card. Unfortunately, I followed that advice and was instantly approved for another credit card. What a mistake that was! My credit score dropped by 34 points. As a result, my credit rating went from Excellent to Very Good. When I was notified by Credit Karma of my credit score change, I researched and found out that Credit Karma gets paid by recommending various lenders they refer you to. My fault for being not doing my normal due caution. As for their tax filing online, that went well. However, I won't be using Credit Karma Tax again. Very unhappy overall.

I used Credit Karma this year to e-file but they didn't file form 8962 or my 1095-A for the PTC. The IRS sent me a letter after I e-filed 3 weeks ago. My return is now delayed by 6-8 weeks and I will not be getting what CK said I was because they didn't accurately report my information. I have no confidence in this company and now that TurboTax is taking over I will just delete my account.

Program is Lacking. I tried to create an account which was unsucessful. First, to enter a birthday, you can't just type it in, you have to scroll FOREVER. Then when I finally got to my birthday, I selected it. The birthday 'selected' was today's date, 2020. I loaded their app on my phone and attempted to use my driver's license to verify my identity. Each time I took a photo of front/back of my DL it said "success" then quickly said it hadn't gone through. Why can't I upload a photocopy of front/back of DL?

No Phone Number or Toll free to talk to a person. Email response takes weeks and that too not efficient. Created account and and not able to Login. For account verification asked for docs multiple times and still not working. Finally gave up after few weeks.

For more than a month, I have not been able to log into Credit Karma on my PC or the App. In both cases it tells me it is having trouble accessing my data and to try again later. I tried deleting the app on my phone and reinstalling it, but that did not help. I have several hundred dollars in a CK Savings account. I want my account closed but there is no access to a customer service number and I cannot get any information online on how to write or e-mail them to close my account and return my money. I think they have stolen my money and are using internet issues as a smoke screen to hide their theft.

Credit Karma gives opinions about approval potential for different lenders. Credit Karma told me my approval potential for a lender was very good. I had not inquired in a long time. I was told that I need a collateral in order to get approval. My points was decreased because of the hard inquiry. I now have to get a cosigner and cause my credit more harm in order to receive the loan. This opinion was misleading and inaccurate. Now I have to start over.

I have been using Credit Karma for a number of years now. I have made note of my scores and felt confident that the service would let me know if ever there were a problem or issue with my scores, as well as report my scores in a relatively accurate way. As I approached applying for a mortgage, I did so with confidence, because I had been using Credit Karma religiously for so long. Therefore, I was shocked when my report was pulled and my rating was revealed to be 100 fewer points than Credit Karma had reported in that very same week. And I was even more shocked to learn that the reason for this discrepancy was that an old collections agency report had been added, and Credit Karma had not done the very thing they promise to do: notify me of any such changes.

I Have been using Credit Karma for the past couple of years following a major financial setback. After paying all of my credit cards etc on time for almost 3 years my score with Credit Karma climbed from 550 to about 739. I was feeling really good at being able to keep everything going in the face of having a very limited source of income. I recently had to do some banking and I was speaking to my Personal Banker and she advised to look into Borrowell as to get a more accurate picture of my credit score... I was blown away to find that what I thought was a good credit score of 739 on Credit Karma was in fact a less than average score of 583. I will NEVER EVER rely on Credit Karma again!!!!

I have been a Credit Karma user for years. Recently 2 companies went out of business suddenly. The companies informed us we could continue to pay off the account as per usual. Credit Karma sends me emails “did you close this account?” The email give you no reply. I finally found how to contact them to ask why my account was being adversely affected. They finally replied saying it was from the credit agencies. So exactly why is Credit Karma for? If they can’t go back to the reporting agencies and tell them to correct the issue why are they in business. Horrible. Where is protection for the consumer.

My Experian score is 990 out of 999 (or something very similar). My Credit Karma score started at 627 out of 710 (rated 'good'.. Now it's gone down to 595 ('fair'). My Experian score hasnt moved in the same time period. I'm completely up to date with everything. I have noticed the hard sell on their website... It's all about persuading you to apply for more credit cards etc. Clearly a not much more than a scam. They start you off with a respectable number then slide you down a bit for no reason. They offer you the solution. My advice, pay no heed to their scoring. It is handy to have it on your phone to get notifications of activities on your accounts. But dont be sucked in..

They took all my info then cut me off completely afterwards. They told me they submitted my efile however IRS did not receive anything and they (irs) called this ghost tax preparation. The app on google plus is thieves stealing peoples info.

My credit score was incorrect; it looks that I do not any bank account, any credit card, any load, neither electoral roll... Everything wrong. After several attempts to make them understand that I am Spaniard and we have a given name and two Surnames, I gave them my passport, my electoral roll's letter, and they decided to ignore me. After this bad experience, I closed my account and applied for Experian, I had the same mistake but finally, they discover what was wrong and it was fixed quickly. Credit Karma needs to learn a lot yet. EXPERIAN the best!

First I need to provide some background. Due to a medical issue in mid 2011 I was laid off from my job. The company I worked for graciously held my position and paid me for 1 1/2 months until the diagnosis was confirmed. At the time (as now) I received a military retirement check every month. I also receive disability compensation from the VA. Those two monthly amounts covered my house and truck and car payments. I worked to pay for other life "necessities", you know like cable, phone, gas etc. My credit score was in the 725-750 range.

Credit monitoring for Credit Karma are confusing. I have a credit card with a spending limit of $1000. My balance was zero until last week; I spent $130. I receive an alert from credit karma telling me that my credit score dropped 18 points. 18 points? $130 is less than 30% of a $1000 limit, so why did my score dropped that low? I thought the whole purpose of having a credit card was to use it occasionally and pay it off. Now I feel like I'm not supposed to use it because I was lose points. Smh.

I have not been able to log in to my Credit Karma account for over two weeks now. I'm using my correct email address and I was using my correct password (I have all my passwords written down). Every time I try to log in, I get the same message: "Log In to Credit Karma! Oops, something went wrong while trying to perform your request. Try again later. We appreciate your feedback." I have been communicating with their customer support, but I'm not getting anywhere. Either they can't read or they don't understand English. Whoever I've been communicating with (no names are given) insists it's my password. I don't think so, with the message I'm getting (see above), but they insisted, so we did a password reset. Result: I'm still getting the same message. I wrote back to tell them so, but obviously, my email was not read or not understood. They are still insisting it's the password and I need to do another password reset.

They lock your account to your phone number without asking. Then for no reason if you sign in on the same browser, with the same computer, they claim you have to get a security code to your phone. Without asking they immediately send a code to the phone number. Now whoever has my old number is getting access to my security codes. When you write Credit Karma, they have customer service that doesn't understand English well. It's a big time risk to just send codes to an old number, whoever has that number has access that I do not have!

I've had terrible experiences trying to get into my account on Credit Karma to change my phone number or get my transcripts from my tax return last year and every screen I try to go to choice to send me to another screen to check out something else which I'm not trying to check out. I also think that credit karma is one of those companies that does not securely hold your information and sells it to other companies at whim.

Credit Karma has been great at protecting my identity because they immediately notify me of any credit change on my credit report. If anyone were to attempt to gain credit I automatically receive a notification of the view of my report along with the name of the company. I am given the opportunity to notify the credit companies that it isn't me trying to gain credit. It makes me feel great knowing I can stop identity theft in its tracks.

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I've used CreditKarma for a couple of years and liked it but I recently changed phones and got a new cell number. When I try to log in, it asks for a number to text a code to me. I get the code but the system does not give me a screen to enter it. After two weeks and many, many emails and attempts to get help I'm giving up. I keep getting their emails so now I've just unsubscribed. It's a decent product but the support to get me back on track is non-existent, just automated junk.

Takes them months to update a simple credit card payment in their report. Moreover, they will defame and ruin your financial report based on Transunion (they claim) without any official or court clarifications. This company needs to be SHUT DOWN as it lacks: 1. Credibility; 2. Accuracy; 3. Customer services. How the hell does Canada allow such businesses to operate without control or observance?

Over the last 60 days I have paid off virtually all of my credit cards & debts including reducing my mortgage by 50% which is less than 8% of my home's value. My score dropped between 73 & 79 points. Credit Karma shows my Experian & Transunion scores in the mid 600"s--- yet when I go to Experian website direct they show my score at 790--- obviously the problem is with Credit Karma -because they not read the same information I can.

Credit Karma is nothing but a racist piece of garbage!! Like everything else in this piece of garbage country!! They took my credit score down 16 points for a closed account that was 15 years old that should have never even been put on my credit report!! The reason I know it was purposely done is usually there is a 30 day wait until your credit file is updated!! Not with these racist pieces of garbages!!! They took it down as soon as the account was closed!! The same day!! It's like they could not wait to bring my score down!!

Big deal, so Credit Karma is free. It is VERY SLOW to report the improvements you have, coming from poor credit to good, even though one follows every bit of 'advice' and suggestions the site provides! Credit scoring is a racket, and sites like these use your information just like the credit bureaus, to make money. Until folks wake up and kick their politicians' behinds to change policies to allow us to control the use of our information better, it's all phooey. For people who have fallen on a financial hard time, or even made a bad choice, there is no forgiveness, no hope. Better to be an ** or drug addict, you will get more hope and help!

Credit Karma said my credit score was 612 but it was not my credit score with Fico and all the others were 729. It's way off....I was disappointed second time they were off same. When we went to buy a home it said 668 when it was actually 765....I will only be using the credit bureaus from now on.. It's a misleading site. 100 points is a lot to be off. The same thing happened to my son....

Suddenly had an email saying I had dropped 8 points? Yes I took out a loan, yes it's up to date and tbh it is at a rate of 2.3%. You do not get that rate being a poor finance risk! However suddenly scoring me low is way out of proportion. Every other credit risk company has me up with an excellent score and now Credit Karma says FAIR! All my finances are up to date!! Not happy and if I see any negative impact a complaint will be a raised.

Had a 98% approval based on Credit Karma's recommendation so based on that percentage I selected the card (there is no visible disclaimer). I was denied and it dropped my score. I complained to credit karma then they sent me this long letter saying they know. It's disappointing... Beware of their advertising. They are paid to put offer these products with no regard for your credit.

They said I was preapproved for a consolidation loan. What I owe is on unsecured debt!! They want to use my car as collateral. How?? It’s a 2019!! With a a big loan!! I hate false representation!! They lied!! They represent the loan company so I take it to be Credit Karma’s fault!! BS company.

This company has two mistakes on my credit report. I have tried to contact them and they do not return emails. Also have no phone number to call them. They have false information so i would advise to stay away from them. You cannot contact them.

Credit Karma disappointed me. After I raised my points to 648, because I made my car payments on time and when I paid the total... Credit Karma took away 60 points, because I closed the account when I paid the total.

I have been a Credit Karma user for many years. So, when they announced their new Savings Account offering I jumped on it. Only to get an error at completion "We weren’t able to create your account. Sorry for any inconvenience. Please check that your account and application information is correct. Thank you for your interest in Credit Karma Savings!". I contacted the customer service department to get a better understanding of the error and what I might have missed in my application.

I went to check my credit report and somehow, without realizing it, I opened a Credit Karma savings account. I immediately attempted to close it. No phone or email for support.. just a series of links that take you to an online request form. I filled it out, but when I got to the date of birth, a pop up appeared with current month and year instead of a keyboard. I had to scroll backwards over 30 years worth of months to get to my birth date - which I grudgingly did. It entered my dob but it entered it into the form in the wrong format. I submitted my request anyway and received a message saying it was not submitted, with a linked suggestion to email support. I clicked the link and was taken back to the original faulty form.

The Credit Karma scores are inaccurate - they recommend that you use the credit bureau score. Credit Karma was off by more than 160 points. Worse than that they bounced my score from 640 to 800 every other month. Something is wrong with their scoring system. I do not trust this company.

I did my 2017 taxes with Credit Karma Tax. I was irregularly employed that year, but had historically relied on similar tax preparation software to calculate my tax bill, and figured Credit Karma would be an adequate free substitute. This was a stupid gamble. Credit Karma's software failed to calculate any Self Employment Tax on my return, despite the fact that 80% of my income for the year came from a 1099. As a result, I underpaid my taxes by over $5000, and incurred a $1600 penalty a year and a half later. Subsequent searching revealed several threads on Reddit complaining that Credit Karma wasn't calculating any Self Employment Tax on users' returns, so it seems like this was a common issue.

I consistently have a high credit score. I know when to best close a credit, but I thought I'd checked Credit Karma to see what they have to say about the best way to close an account. I have one horrible cc I want to close. Much to my surprise, they said NOTHING about the best way to close an account. They said NOTHING about the process, only that you should be careful. The only advice was that it might be good to close a account with high interest and fees and that you can close an account with a balance, HUH??? All fluff, no real advice.

Be very wary of the "score" Credit Karma provides - it is not at all accurate. It is overinflated significantly by a good 50 points! It's trickery at its finest. I applied for a card based on their recommendation and my "score" which seemed pretty decent only to be denied. It seemed odd so I checked my score directly with the credit bureaus and saw that it was considerably lower than what credit Karma was showing! No wonder I was denied, however, the process of applying and getting denied cost me another hit to my credit! This site is actually extremely detrimental to your score if you are trying to raise it. DO NOT GO BY THE SCORE THEY SHOW YOU. It is a racket designed to hock high interest credit cards to unassuming people. They should be sued for this activity.

Credit Karma has lied so many times and my scores drop as soon as they go up. Now I know it is not accurate and just a guide but when they report false information to fit their agenda it is dishonest and not loyal. This is a scam! Expect lies and false reporting. Expect to have to dispute often.

Get free notifications for all of my credit activity. The scores are only like 10 points from my actual score, which is pretty impressive. The estimated mortgage pre approval was like spot on with my actual buying power. I’m liking what you’re doing Credit Karma. Totally recommend for credit monitoring for anybody.????

They have wrong info. Wrong scores. Guide you to denials. It's a trap and fraudulent trap. This company needs to be sure over accurate information and misleading people to credit cards or loans that never match.

Credit Karma makes recommendations for loan companies and summarizes the total cost of the recommended loan amount. HOWEVER, it does not include all the fine print costs relating to the loan e.g. "origination fees". So- the advertising of loans and associated rates seems to be somewhat "sneaky".

I have been a user of Credit Karma for some time. Recently I had someone access my account by fraudulent means. I was notified to change my password. I did that right away and asked if they could give me more information and they notified me that they can't give me any information as to who may have accessed my account due to their privacy policy. Seriously, a privacy policy that protects some one trying to do something bad. Beware of this company. I have since cancelled my account and will be reporting to every where that I can.

Credit Karma seems okay at first. Then you see very quickly they manipulate your scores weekly. When you pay your creditors on time they raise your scores and then when you use your credit cards they turn around and lower your score for using your card even when you pay it on time. Basically they punish the person because they have a balance. This is not acceptable to do just because you use your credit cards.

I tried opening an account with Credit Karma only to find out that there was already an account opened in my name & my social security number. Omg, how did this happen & this should have been caught. Then I let them know & they told me they suspended the account. Then I had to show proof of who I was & they put me through a real hard time. I mentioned to them that if they did this to the scam artist who opened my account this would never of happened & I wouldn't be going through this mess!

I will just say, my credit is apparently beyond repair. I signed up for Credit Karma and all it did was give all of my personal information to collectors that started calling nonstop. Maybe it works for some, but if you're destitute, don't set yourself up for further failure.

** Credit Karma is a sack of **!!! Been working hard on my credit, super hard because we want to buy a house. It slowly has been increasing, so they suggest a credit card to help, guaranteed approval. So, I wanted to increase it faster, so I applied. Now I have just lost 17 points and 9 months of progress when I get denied. So, ** You Creditkarma.com.

I have used Credit Karma for several years. Recently I was denied access when I clicked a link in an email they sent me. At gmail, the address I used to sign up. I got an error "access denied." After several ignored enquiries, I was told that I was attempting to access my account from a different device. While I always use my PC, I know of others that use their PC and their phone (i.e., different devices), without harassment. When I complain I get mostly canned replies from unattended accounts. What kind of customer service sends replies from unattended accounts? For months I have been denied access without satisfactory explanation.

When Noddle changed to Credit Karma it would not let me login with old details. I have emailed in excess of 20 times with no response. I have tried to reset password 50+ times never recognises it. Poor poor service to Previous long term clients. Avoid them as they are very very ignorant.

I watch my credit score every day. Recently I paid down my car payments for six months. I had to notify credit karma of that change after a month. Credit Karma took my score down three times in one month and never calculated that there were other payments made towards my credit cards. Why adjust your score every two to three days or even 7 days. Ridiculous.

You can damage yourself trying to get a better offer because the scores are not accurate. DO NOT USE AUTOPAY refinance. I was approved then not approved then approved with an high interest rate and told I was the wrong person. Incompetent! One more thing - you cannot even write a review on Credit Karma or Autopay!

Well I may be the only person to have something good to say about Credit Karma's scoring process. Last year I went to buy a car a new car at that. When I went into the dealership I checked my Credit Karma score around 590 something. I was sweating bullets because I didn't think I would get approved for the car that that I wanted and I did not LOL. But I did leave with a brand new car because my credit score was really 638. My score was 50 points higher and I've been driving for a year and a half in my brand new car that's not so new anymore. They are inaccurate but I think it goes both ways. Good luck.

My husband and I recently applied for a reverse mortgage. We thought our current credit would be acceptable even though we had a bankruptcy two years ago because we never had a late payment on our home mortgage or our car loans, not even with the bankruptcy, but the loan officer told us she could not find any information at all on any of the standard credit reporting agencies! When we looked at our CREDIT KARMA account we realized that they DID have all the past records for our mortgage payments and car loan payments always being on time, and yes, we passed this information on to the loan officer, who was basically astounded that CREDIT KARMA had that information----made a world of difference in our final proposal for the reverse mortgage. Now, our personal opinion on this is that CREDIT KARMA is doing a better job in favor of CONSUMERS!!

I've had Credit Karma for years and was always impressed with the way they kept me informed with my Credit score and options for increasing it. Until recently I never gave any thought as to the figures being accurate. Right?? Who would? I recently co-signed for a personal loan (at my bank) with my daughter and was informed that my credit score was nowhere near the nu# presented at Credit Karma. Credit Karma showed my score to be ~760 which was pretty good in my opinion. So I'm going on the impression I'm doing well in the credit dept... Right? Wrong!!

I've had it with these so-called "scores". Transunion and Equifax scores drop for no reason. My debt is low and my payments are always on time. This month, both scores dropped 12 points (from Excellent to Good) - with no reason listed under "details". When I look at their recommendations for improving my score I get a long list of credit cards I should apply for. I don't use credit cards because I refuse to pay their interest rates. This manipulation of credit scores is just an attempt to scare me into using a credit card. Don't be bullied into taking out credit cards you don't need. If you need to check your credit scores, go to the source. Credit Karma is a credit card scam.

I wanted to give a positive review to Credit Karma. They have caught fraudulent activity on my SSN 3 times now and have each time literally saved my bacon. Their notifications were IMMEDIATE, therefore I was able to nip everything in the bud and prevent a lot of damage. Thank you so much, I will continue using you guys for years to come.

Well, they're free & I'd be really upset if I had to pay for such lousy service!! Incorrect reporting, failure to verify information & NO common sense at all! I truly don't think a any humans work there & it's a computer generated mess! And if you do submit a request for help... good luck getting a response. And IF you do get a response it will be useless. AND there is no one to call! NO phone number listed... anywhere. Credit Karma is a scam. Good luck!

Credit Karma is a FARCE. There is no rhyme or reason on how the credit bureaus calculate your credit score and Credit Karma is another example of that! It falsely reports your credit score building hope in people. I just applied for a loan and my REAL credit score (the ones lenders use) is 100 points less than Credit Karma. I don't know how/if this affect my loan approval. But I am NOT happy. I diligently log onto Credit Karma to see my progress and now find out it's CRAP!!!

Do yourself a big favor and steer clear from Credit Karma! They not only LIED to me, but stated that if I accepted the offer of a new card they suggested, it would raise my score. NOT TRUE! They lowered my score and when I called to talk to someone, they told me they would LOWER it more. They did on their site but not on the major credit reporting agencies. I check with all three credit reporting agencies and spoke with a manager at Discover. He called them a "third party" and I should not trust their information. Lesson learned as I had to go to the hospital with a panic attack! Stay clear of these people. They get paid for putting you in debt with credit cards. It is a good thing I am well paid to afford my bills, they are the worst kind of scammers!

Scores are never accurate. Not sure what the purpose of this company actually is. Don’t waste your time and don’t believe the score it’s telling you. Applying for a loan with your scores from Credit Karma will leave you disappointed.

Just went in to apply for car loan, both my scores were 700's. Well they told me I had a 657. WTF. Why have this if program is so NOT accurate. Crappy, really. Not even close, interest rate considerably different. Thanks for nothing!!

I had a fraudulent person steal my identity and log into my account and completely change the password, email and phone number somehow. They have access to my account and all of my info. I cannot get a hold of Credit Karma and I've emailed them MULTIPLE times, they have no customer service and this is a SERIOUS issue with no resolution.

I used Credit Karma's W-2 upload feature, and their software submitted my federal withholding amount as $9, when it was into the thousands. I've used this upload feature for several years with other tax filing services through TurboTax, H&R Block, etc, and that's never happened to me and some of the colleagues I spoke with about this. As a result, while I was waiting for my federal return for the last 3 months, the IRS sent me a whopping bill because they thought I didn’t pay my federal taxes. What’s more? They added on late fees and interest - which is accruing. Every. Day. I had to enter into a payment plan with the IRS because they said it wasn't their fault.

I've tried contacting the company. It seems like they're a ghost company. It's very dodgy. They're only email contact. I searched everywhere for their number to no avail. When l registered it seemed like they had my correct info. Still It keeps saying my account cannot be verified.

I rarely submit reviews but this I had to. I was stuck on a score of 680 and getting over 700 was hard. I took their recommendation to consolidate credit card debt and pay it off through a debt consolidation loan. My 2 cards had $8400 with high interest rates. It was proving tough to get ahead after some poor spending habits. (That's the key, self control.) I paid down 80% of my debt ($8000 approx) with a 3rd party lender at 7%, which saves me a lot of money in interest over 3 years, and rarely use my credit cards now. So they have very low balances, thus making my score jump 40 points in 2 weeks.

These ** will run hard inquiries on you, and ** your credit score. FALSE ADVERTISING!!! I have the evidence on my three reports that CK ran my credit report two times. They did NOT...let me repeat that...they did NOT have any form of permission, by me to run my credit.

I'm old. I have no reason to worry about my credit score, but thought I'd check it out for fun a couple years ago. Today I went into the account to change my email address. Filled out the form and it came back warning me that the new address was already in use. I've had that email for several years, so I sent an email to support to see if they could check - maybe I signed up with that email long ago? IDK. The support person wrote back saying I could change my address in my account. Yeah, tried that as I said in the first email, wrote back. He said, he'd be glad to help me sign into my account... Yeah, I already signed in and tried to change the email.

God help you if you apply for any loans on their site. You will be inundated with thousands of spoofed calls from scam artists who will prank call you for hours if you tell them no. Credit Karma obviously just sells your sensitive info to absolutely anyone.

I am so confused about credit scores. My Experian and TransUnion scores are 75 points less than my FICO score I can see everywhere else. It's a huge difference too, taking me from "fair" to well into the "good" range. Also, Credit Karma's score tracker suggested my score would raise by 100+ points for paying down a certain amount of debt. Paid that debt down about 5 months ago and my score on their site remained unchanged. I think my FICO score changed an appropriate amount, the 75 pt difference. I don't know, I'm so confused. Maybe the only fair part of my review is about their score forecaster. It appears to be utterly useless as my score available on their site changed by 1 or 2 points.

I have been very unhappy with the scores they show you when you log in. I have been keeping a log of my score for two years and have found them consistently running 40-50 points lower than Equifax. This is a poor way to monitor ones credit, as they do not report on a timely basis and if a credit card goes up by 200 dollars they drop your score 19 points. I think this is a scam. Most lenders do not use this company to check credit.

The program will not let you cancel your tax form and no one in their entire organization seems to know how to make that happen. I started a return and got down to the last part of the review. It noted I had not put in a W-2. I get Social Security only. The program will not let me go any further. After countless E-mails they basically said I am screwed. Be very careful if you use them. Very very very bad.

This company is a lying scam. I have found the score to be lower/less timely than Experian, but signed up for the site a few years ago. I rarely used them but continually get emails. I responded to one offering to show me pre-Qualified personal loan offers, and that just viewing the available offers would NOT impact my credit score. So I said, "Why not just look?" I did not complete an application to any if the shown offers, unless they tricked me into it. I looked and didn't think any sounded as good as a different avenue for reducing my credit card debt. Then immediately I got two emails from lending companies, one a Notice of Adverse Impact. How dare they!! This site is a SCAM. Once this is fixed I will cut all ties with this fraudulent company and block any further emails.

I don’t understand how the score on Credit Karma is low by far from other sources. For example at Credit Karma 590 at Bank of America 717!!!! It’s a scam!!!! They lower your credit score to charge you more interest for loan or other services.

Credit Karma has WELLS FARGO on their website. They are just looking to scare you into taking out loans and recommended credit cards. Drops your scores more than 50 Pts for no reason (legit or otherwise). I find them useless.

Credit Karma's banking partners are incapable of answering questions during the loan application process. They are also hard hitting your credit report before you Finnish the Loan application. If you try to go back and change your deposit information during the application process. They have to cancel your application In-order change simple information. Then the loaning bank tells you We can't guarantee you will be approved the second time. Just because you want to change the distribution information. So I don't trust the companies Credit Karma's is sponsoring. In turn I canceled my account with Credit Karma because I can't trust the companies they sponsor on their site.

I wanted to see if I was prequalified for a loan so Credit Karma was supposed to just pull up prequalified options but they went a step further and sent an application to all those lenders on my behalf without my approval. The check for prequalified options wasn’t supposed to hurt my credit score but when Credit Karma sent an application in for me, the 3 lenders checked my credit score and now I have 3 new inquiries on my credit report. I did not authorize Credit Karma to go any further than to check for prequalified options.

Was just informed by one who works for the Government whilst dealing with Student Loan Issue. Almost chewed guy out for reporting Student Loan Debt via email Bad Karma. This guy was no nonsense and knows his stuff - Was informed that this site is nothing but a money maker that (follow the money here) uses scare tactics to sell people credit cards. Red Flag: The upsy daisy of Karma's "your score just improved!" to "check an inquiry into your credit' (which I KNOW I had not applied for any credit in a long while." I feel sorry for ANY one who has signed up for this site (including myself). Do NOT give them your info!

Scoring way too high. I used to use Credit Karma to keep track of my credit score. With them only using the Vantage 3.0 system it's not even comparable to my FICO. My FICO is 75 points lower than the Vantage 3.0. If FICO is the still mainly the top option for lenders, isn't there a way that Credit Karma could work with all 3 credit bureaus to find a solution to be able to allow people to check their FICO score a more often than once a year that is the standard set for free?? I feel a person's credit should NOT be dinged for someone checking it. The only good thing I found with Credit Karma was the information in my TransUnion and Equifax reports were correct. However, I wish Experian was also in there.

On Saturday I told my sad story to the customer service rep about that loan contract was charging me high interest rates. I hoping that they would give me a fair chance but today my application for refinancing was denied without any contact with me. I make all of my payments on time with every bill but they did not want to work with me. My home town Genco Federal Credit Union rejected me first. If they could loan 2,000 dollars then my truck would be paid in full. I pay 90 percent of the cash and I just need 2,000.00 but again I was rejected and send to a loan that want to drain all of my month every month.

Gave me poor advice and guidance to do an extension and got me in trouble with Ca tax board - then not only took no responsibility for what happened, but were rude, demeaning, disrespectful and smarmy nonchalant when I asked them to help me correct it. I absolutely DO NOT RECOMMEND THEM.

It's a joke when it comes to your FICO score. It is completely inaccurate. The only thing to use it for is looking at your report. And it notifies you if anything changes in regards to new accounts or inquiries.

For last 6mo if using creditkarma.com service my score was 650. I have a new credit since recently started to use an auto loan first time in my life. For 16mo my score from 622 raised to 650. Wow. Not fast I thought, since paying on time. And I trade in my car yesterday and bought another car.. dealer shows me my score in 705!!!!! Thank you Credit Karma I will never be wasting my time on you or your credit card recommendations. I'd rather will check my FICO and free score check once a year. You don't deserve 1 star I rated you!

It was a overall good experience with WES. I recommend WES to my colleagues/relatives and other aspirants for PR/Student visa for US and CANADA. WES all services/application and process is good and user friendly.

I too received a troubling email from Credit Karma implying my online security, identities and possibly accounts had been breached. Like Valeri of Rockford, IL, I contacted Credit Karma after a thoroughly frustrating and unsuccessful effort to follow their instructions to 'review' these reports on their site. Credit Karma's site was more trouble than it was worth, with big emphasis on cute graphics and link after link of nothing related to the problems they alluded to in their original email to me. Today, nine days after I sent my request for help, I received a 'How to' which brought me to the page I already saw, that caused my concern in the first place. Online security should be easier to initiate with clear guidelines of what to do. Credit Karma's approach is more of a narrative and seems to try and point to their own importance in this ongoing problem.

I have been using Credit Karma for many years, just to keep track of my credit scores. They have been consistently accurate and consistent with ratings issued by credit services, which figures since Credit Karma does not "create" your credit scores, they simply report scores from two of the credit services. This year, I used their tax filing service. Our returns are fairly simple now (retired), so I was able to complete the federal forms in about an hour or so, and the system did our state returns automatically. I filed on a Tuesday, received confirmation that our returns had been accepted on Wednesday, and had both payments, federal and state, in the bank within two weeks. Simple, free and accurate. Note: I receive no advertising from them as I opted out of that. When you go online with them they advertise various credit cards, but that's "take it or leave it". That's how they make their money, but it does not commit you to anything.

They had personal loans area that claims it does not affect your credit score. Out of curiosity I looked at the offers. I NEVER APPLIED FOR ANY OF THEM. 4 hours later I get an email from Regions by Avant that I have been turned down for the loan I DID NOT APPLY FOR. The bank's response was to send me an identity theft form. That is total bs. No one stole my identity, this was done through the Credit Karma lie. If someone had tried to steal my identity and take out a loan they would not have used my email and home address. DO NOT TRUST CREDIT KARMA. THEY WILL LIE AND RIP YOU OFF. And yes when their actions lower your credit score with a hard inquiry you did not give them permission to make they not only ripped you off they Credit Karma stole your identity! FILING COMPLAINTS ON BOTH OF THEM EVERYWHERE I CAN. And contacting an attorney.

The information is always correct and accurate in a timely manner, I've been so pleased at the information and professional website that Credit Karma has. It has been very secure for me to truly trust with my personal information and even alerting me when I was logging in through a different device to confirm that it was indeed me. I've also recommended it to close friends and family. Thank you for taking the time to read this and please do try Credit Karma. You will be pleased.

I've never done one of these before, but after multiple ridiculous discrepancies, I googled "issues with Credit Karma" and found myself here. I signed up for Credit Karma a few years ago because I wanted a free service to keep track of my scores. I've always had high credit scores, so I was appalled at how long my scores were and I worked really hard to try to get them back up by lowering balances and hopefully lowering my debt to income ratio. I hadn't had my credit run in a long time, and I trusted that Credit Karma was accurate in their numbers, so I saw no reason to independently check the scores myself.