Credit Karma Reviews

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.

I received a troubling email saying I needed to change passwords. I was suspicious but did it anyway for one account. I have emailed them for DAYS as to what this was about and they haven't BOTHERED TO RESPOND. What a joke company. I would hate to depend on them for real monitoring. You get what you pay for... This was free and is worthless to me.

I downloaded their app and tried to sign up for their service. I put my email address in and it says there is already an account using that email. I don’t remember ever even trying to sign up for their service before. But I tried to log in anyway. I used the change my password option because I don’t know what it is because I never signed up for their service before as far as I remember. Then I tried to register my fingerprint and making up a passcode. It just says none of my information matches what’s on record so I can’t get into my account. It says to contact them at an email address they provide. I looked for a contact phone number but there isn't one. It's been a week and still no reply. Any company that doesn't have a number to call for help with problems has bad customer service.

I'm POA for 97 yr old mother in law. Name is Mary **. Her stolen SOC SEC number was used to create Credit Karma account. I WANT FAKE ACCOUNT DELETED. The valid, legal account is under this phone number. I will give more info privately. I've emailed, texted and no response. How do I achieve this. And why isn't there a report a problem link. This is serious. No safeguards. It's way too easy to get someone's personal information through Credit Karma. This is awful. Help me someone. This crazy person with fake account is causing family trauma to 97 yr old.

Yesterday 3/18/19 Credit Karma shows that my scores dropped by 38 points even though my balances decreased by $152. They falsely reported that negative remarks were added to my accounts. After calling Equifax and TransUnion upset and making a fool out of myself - I was advised to no longer rely on Credit Karma because that information was completely wrong and my scores did not decrease, and I had no negative remarks on my file. I understand that this is a free service, but why give wrong information - whats the point of adding things that are not true? The service is supposed to help people not hurt and upset them.

Works same as TurboTax and other software companies that you pay for and pay state efile for, but free for everyone including free efile. Simply answer the questions. Guided or choose what you want to work on from a list.

AWFUL! Yesterday my credit score was 756- LOL! Today it's 605... Said my mortgage increased by $1175.00 - Actually it decreased. They also have a car loan on there that was closed over 2 years ago. They show me with 11 credit accounts. Which I only have 3 - the other eight have been closed for years!!! This company should be banned/dissolved for FALSE reporting schemes... If you are smart, don't give them any of your information. I wasn't. I look at these idiots and laugh. Don't get sucked in. It's not worth the frustration.

Requires user familiarity with tax forms required, particularly the R-1099. That form is not easily available to a user, but requires the user to know they will need one or more, and then to do a search on the tax software to locate the places in which to input their individual income data. It took me some additional time to figure that out, and to edit data I had already input, then re-enter the data in the proper format on the correct input page. The new tax deductions eliminated my having to itemize which is a huge blessing! The state portion was pre-filled by the federal data already input, so that also was a great time saver.

Yesterday March 15, 2019 I sent an email to Credit Karma requesting an answer as to why and how my credit score with them is way higher than my actual score with TransUnion. Still waiting. Here is a quote from another reviewer "They don't provide you with a FICO credit score. They provide a TransUnion TransRisk credit score." Credit Karma's scoring is totally useless.

Be aware that CK derives their revenue from lenders. I have hard credit pulls on my credit report as a result of clicking on Credit Karma's "don't worry, this won't affect your credit" links to various lenders. Extremely misleading practices like this are counterproductive for credit rating improvement, to say the least. The bottom line is that Credit Karma's "free" service is anything BUT that, due to its effect on my credit score.

After finishing my federal return, I cannot log back in to print it out. CK is supposed to call my phone with a verification code but I never get the call. There is no way to speak with customer service by phone, as no number is listed. All I could do was email customer service and get dumb answers back which had nothing to do with the problem. Never again.

Signed up, gave them personal info and now I can't sign in. Tells me that my email or password are incorrect. Reset my password multiple times and it still won't let me sign in, giving me the same message. Makes me kind of nervous that they have my personal info now to be honest. Wish I had read these reviews first.

They provide false information based upon a 2-12 month queue. I have seen this for myself on CCs, to homes lone etc. They update when they feel the need to do so. Not what the real active credit scores are. One account still shows that I am in debt on a CC $700+ when actually 6 months later it was $56 in debt not what they were showing. The house I can understand and car as well which I am up on. And have been for over a year now. Went from the 700s to now 550 o 650+. The company who states that this is your credit score when it is not by far when I bought the home over a year ago. My cred was showing 740+ when pulled it was 850 from the real world. Karma, you will get yours in a class action.

I’m just shocked at how “off” Credit Karma is on the accuracy of our scores. No one uses the vantage score technology that Credit Karma uses. You’d be better off going to myFICO if you really want your true credit score that lenders actually use. Oh and also, car lenders and mortgage companies hate Credit Karma because their scores are so off from real scores.

I had some credit issues a couple years ago and was working very hard to bring my credit up. I installed Credit Karma on my phone to monitor my credit activity. I put a freeze on my credit reports. On Credit Karma, my scores increased and continued to increase. I was very proud of myself and the hard work I put in to build my credit so I could buy a house. When I went to the mortgage lenders, I told them my credit score from Credit Karma. BUT WHEN THEY RAN MY CREDIT MY SCORE WAS 100 POINTS LOWER THAN ON CREDIT KARMA. Not a small change, but a substantial one that significantly impacted my rate. I was devastated! Needless to say, if you are simply monitoring your credit for new accounts being opened, accounts going to collections, or accounts being closed, it's ok. But DO NOT trust the score on Credit Karma.

This is for all you 3-star-review readers who look to these for some balanced reviews. As of March 12, 2019, I read all the reviews 'cause a friend of mine warned me against Credit Karma. Here's what I found. The vast majority of 1 and 2 star reviews have the same style of writing, sentence structure and paragraph structure. I give "them" credit 'cause they are all good grammar, no misspellings (like that!), begin with a short pithy declarative sentence, have two paragraphs of about the same length, and end the 2nd paragraph with a similarly expressed statement of their disgust with CK.

I completed my federal refund and submitted it. No problem. Had to wait weeks and weeks for my state to be accepting tax forms from Credit Karma. Finally, I got my state taxes completed. However, the refund was considerably smaller than I'd anticipated. I checked the PDF of my 2017 taxes from TurboTax and the PDF of my 2018 taxes from Credit Karma, and I noticed that CK only had me fill out one form for state taxes! On my 2017 return, there were forms on there that said I was required to file them each year, and Credit Karma wasn't going to have me do so.

Credit Karma provided suggestions on how to lower my mortgage payment, one of them a 15 year fixed rate mortgage through Chase. Interest rate at 3.62%, no fees, and fixed payment, so I applied directly through Credit Karma. I received a call from Chase, and provided my credit score so they could hold off on doing a hard check. My offer came back at 3.8%, a mortgage payment $300 more than Credit Karma suggested, and fees of almost $2500! When I told Chase about the offer specifically through Credit Karma, I was put on hold, the reply was that that rate/mortgage offer does not exist. I am glad they did not pull my credit report! Thanks a lot Credit Karma, for nothing!

Decided to try filing w/ Credit Karma. What a mess! Kept trying to give me a $12k refund when should've been $1600 & the EIC when we don't qualify. No way to delete the tax form and create a new one. Even tried deleting the data & re-entering but the same bad data kept coming back over and over again. Tried reaching out to the company to ask about resetting/deleting my tax form but gave up after spending a ridiculous amount of time trying to find it. Just kept getting rerouted to their "FAQ'S". Finally just went w/ an online filing company that charges but it was well worth the fees to have the peace of mind that everything was filed correctly. I've done our taxes for years so I have the experience to know when a blatant error is coming up. I feel for anyone who doesn't have such experience and then risks filing through Credit Karma.

So I filed my taxes through Credit Karma and thw it's took my 9740 $ refund for offset school loans the whole entire thing. ** CREDIT KARMA. I will let every know how they decide you asholda es. I hate them so much ruined my life.

It's free. It's simple to use. It just works. Unless your tax situation is complicated an online provider like Credit Karma can streamline the process and has an impressive knowledge base.

I was told by a lender that the amount I owed on various cards lowered my credit score, and Credit Karma could tell me how to raise my score. Credit Karma's idea was to send me offers for over a dozen different credit cards, most of them wanting annual fees. I owe too much so I should spend more? None of the offers included balance transfers, which would only consolidate debt anyway, not lower it. Thanks loads. This is just a way for advertisers to collect data, don't waste your time.

Tried email support as well as chat. All gave me a canned answer which failed. Two different chat persons just disconnected while I was typing and when I hit enter a new agent was assigned. I finally solved my own problem which was very basic and no one in support knew the answer. I think they do a database search of your question and send you the results. No interest in customer satisfaction will be their demise. Free sw is also free of any support so back to my purchase of sw.

I am receiving multiple emails forwarded to me by a distant relative from Credit Karma updating my credit updates and personal information. I have never met this person. After reaching out to Credit Karma at least 4 times I’ve only received generic templates that have nothing to do with my problem.

You can't opt out of promotional emails, and they send a lot of them. This is their exact response to my email about this matter: "If you decide to turn off email communications, it will turn off all email communications including credit monitoring and identity monitoring. Thanks!! Credit Karma Member Support."

Is it Credit Karma or the 3 credit bureaus? Seems like I work to improve my report from Credit Karma and it will be slowly going up as I pay down my debts then I get some overtime and I pay down my debts by a thousand dollars and my credit score drops 20 points. This has happened 3 times, I don't know who to blame but this seems to all be a game and I'm being played with.

I tried at least five times over the last 6 months to dispute an account through Credit Karma website. No success! I got an email about 2 months ago. "Currently, it looks like our system is having difficulty filing Direct Disputes for your account. I apologize for the inconvenience, but this appears to be a temporary issue." That was Jan 10 2019 and today's is Feb 19 2019 and it still isn't working. These appear to be features that attract (bait) customers but in reality they don't work. Just appearances.

At first, I was pleased with how easy it was to enter all of my information and the fact that it was completely free, until I finished my Federal Taxes and was told at the end of completion that they were not accepting state tax returns for the state of Wisconsin. I then became very concerned and contact them directly, however, they do not use phone services and I didn't receive a response until two days later via email saying: "Credit Karma Tax is not yet open for filing with Wisconsin. Each year, every state has new laws that our software needs to abide by. We are working with the state to be available very soon.

This tax software does not support many common situations people may have. I did my whole tax return, only to have to abandon it and start over with someone else because they can't handle RMDs that are donated to charity. Thanks for wasting my time, Credit Karma.

My tax return was rejected because the Credit Karma software does not automatically generate form 8283 which is needed for the package. Form 8283 is not listed on site as one of the forms that is not supported, so in theory it should have been populated with the other tax forms. The software does not recognize this as an internal mistake and keeps asking me to log in to correct my tax return. I contacted support on 2/12 and the auto generated response indicated that they will respond "as soon as they can".

Filing my taxes with Credit Karma seemed like a good idea, and relatively simple, until I had a question. The "live chat" option was a joke... It took 15 minutes of waiting for a chatter to actually start talking to me, and after answering my question incorrectly, actually told me they didn't have the answer to my question! (Luckily I got the answer elsewhere online.)

Because of the tax changes, Credit Karma told me through a few chats that Rhode Island was not yet accepting electronic returns. That isn't true. They've been accepting them since the last week in January. I've always used Credit Karma, so I automatically went to their site and filed my daughter's Federal return. Unfortunately, they wrote, "We're not filing your State's returns at this time, but please sign up for our email notification." Well, I've been waiting for over two weeks now.

I used this site for its Tax filing help. I have been unable to log in to my account for a week. They have no general service phone number. They have no online chat feature. The password reset process flat out does not work. Requests for email help through the website gets you zero calls or emails back. Funny how after I create an account and submit personal information my account gets locked and I get zero help from this fly by night credit website. Do not waste your time, very negative customer experience. Now I have to make sure my identity is not getting stolen!

I joined Credit Karma, thinking it would be good to monitor my credit. I kept seeing the commercials about it being a free service and figured I'd try it. On my credit profile, it was recommended that I apply for a credit card and that I had very good approval odds based on my score. I applied for the card and got rejected, my credit score went down 17 points because of the hard inquiry from the application. I never would've applied for that card if it hadn't been suggested to me by Credit Karma. They have no customer service phone number to contact them and they haven't responded to my emails. I'm very unhappy with this "service".

You do NOT want to file your taxes thru Credit Karma. There are serious flaws in the calculations of this program. The one that applied to me meant losing $200 of what is owed to me re - my Fed return. Ex. - HSA account contributions and distributions are NOT taxable. However, the CK filing system is taxing me on the amount that I spent on medical payments after I selected the option stating that I did spend the money on qualified medical payments. (I have receipts and the document from the IRS that lists the qualified expenses.)

My Credit Karma account was hijacked by someone else. I cannot get anyone from Credit Karma to reply to my emails. If it's that easy for someone to take over your account I would recommend you NOT use this so-called free service. I am very frustrated and worried about what they are going to do with my information now.

I like to do my income taxes and then do them with another software to see the comparison. I did mine with OLT.com, the IRS recommended site, and owed nearly a $1000. I did it with Credit Karma and owed nothing, but that isn't all of it. I had 11 stock trades this year. I filled in the form that had room for 10 trades, to do the 11th, I had to *add rows*. That added 10 more rows. I filled in the 11 and was ready to go to the next part and it wouldn't let me unless I filled out all 9 additional rows. I used their online support and the fellow, Dewayne, told me to use the edit button. There was no edit button.

I used Credit Karma to file my taxes last year and had no issues, it’s free and easy so why not use it again? This time around it’s easy, no problem. A couple hours after finishing federal was accepted but state was still pending. No updates in 3 days, no emails regarding the status on state. Logged on just to see if it was still pending and it said rejected, reasoning was my social was already used to file. Talk to chat support, it’s no better. Girl says both federal and state was rejected and I needed to call the IRS. Checked federal tax on IRS website and it was accepted, nothing wrong. 2 days later my state gets accepted. This website needs to fix their tax service, I get that it’s free but either figure it out or don’t offer it. Stressing people out when the site can’t even provide accurate information.

The credit scores that I have received on Credit Karma are not correct. Using the ones that were given, I recently applied for credit thinking that I would be approved. Credit Karma says the scores are from Equifax and Experian. The scores that Equifax and Experian gave were 29-44 points lower than the ones provided by Credit Karma. So where does Credit Karma get their scores?

I never had the option to add income. Only asked for wages. I never realized until return was submitted. I had other income. I reached out to Credit Karma several times for help. I was sent an email with a ticket number and message they would contact me. This was eight days ago. I did some research and completed the 1040x amendment form. This was the first time I ever did my taxes electronically and it will be my last time. I’m old school and will go back to paper.

2018 Tax Version issues: 1. You can upload a copy of your W-2 form to save time by pre-filling it. The upload works, but I don't know where it goes. It didn't pre-fill anything. 2. Form 8889 Health Savings Accounts line 3 - It populates this with the 2018 contribution limit of 6900.00 for Family plan under age 55. This is correct, except my age as entered in the profile is 55+, and this allows an additional 1000.00 contribution. So the limit should be 7900.00. Since this is what I contributed in 2018, the form incorrectly indicates I exceeded the limit by 1k. 3. My state is not supported yet.

I went to my CK account to update my new phone number. When I got to 'edit' and the page which sends a code to my phone, I was unable to do that because of my old number. How am I to get a code with my new number if it is not updated on my account? CK associates have reached out to me and none of them were of any help. I was getting frustrated and tired of being nice. They asked me to send a copy of my birth certificate and a utility bill with current profile and phone number. Did not hear back from them.

Credit Karma give you all these options for loans and give you a potential rating of how likely you are to get a approved. I saw a few loan options where Credit Karma said my odds were very good to excellent and tried my odds based on their recommendations and got denied anyway. Avant is a joke. LENDINGPOINT is a joke. PROSPER is a joke. OneMain is the biggest joke they offer because it's a secure loan that still ask for collateral upfront. I don't recommend any loan products from them.

Credit Karma for me has been great. I have had no issues and they keep me up to date. Like with anything there will be people who love it and those who don't. I am one who loves it. I am constantly keeping up on my credit and they have helped me keep on top of it. Thanks Credit Karma.

Someone else made an account using my email and when I asked for it to be removed they asked me for my date of birth, full name, addresss, etc. Of course I told them not only no, but "You've lost your minds." This was months ago. I reset the password to the account and deleted it myself and said "Thanks for nothing people." Since then I've continued to receive emails from them about the support request despite my constant request to leave me the hell alone. This place really seems like a scam waiting to happen. They don't even have a system with something as simple as an email verification before you make an account in someone else's name. Get your credit report from the source and leave these hacks out of it.

For three months now I've been trying to get Credit Karma to update to my new email address. I have sent them seven emails. I have sent them documentation to prove who I was at their request and they still can't seem to just update to my new email address. I have asked them to escalated to a senior representative. They cannot do that. I have asked them to call me so I can explain a simple request. They cannot do that. Credit Karma I think is bogus. I certainly hope my information and fall into some black market hands however my credit isn't all that Stellar to worry too much about it. I just do not understand why it is so difficult to update an email address after the fact I have proved who I was. I do not understand in this day and age that no one can give a person to person call to assure them that it can be done.

My credit score plummeted after my mortgage account was transferred to another lender and TransUnion dinged me. My score was in the mid-700s with no late payments and all accounts current. When I attempted to contact Credit Karma, it was virtually impossible to find a way to contact the company. I eventually was able to make contact, but I had to go through a lot of Google searches to do so. BTW, I've filed a complaint against TransUnion with the New York State Attorney General. No consumer should have a credit score damaged through no fault of his/her own simply because a mortgage company sells or transfer a loan and the original account is then marked Closed by the credit bureau.

I tried to view the submitted W-2 forms and it's an endless loop. I cannot access my tax information. I then received an email saying that my refund delivery address was changed. I did everything to speak with customer support but as expected not one word from them. Not one! I'm so frustrated and will never use Credit Karma again and encourage others not to make the same mistake. No support whatsoever and now I don't know where my refund is going.

You cannot call and talk to a person at Credit Karma. I had tech problems logging in and got stuck in an endless loop. Don't bother with this site. It is a waste of your time and resources. I was happy until I got a new computer. All of the sudden my password to Credit Karma didn't work. I tried to reset my password but did not receive any emails to reset my password. I checked and my email address was correct. I received emails from their customer support but none to reset my password. I am so frustrated with this BS that I cannot recommend it to anyone!

NEVER file your tax return with Credit Karma! I made this mistake and regretted it bitterly. After I filed my taxes, I decided to check how much my tax refund would be if I had used Turbo Tax, and it would have been significantly higher. However, the damage was done as I can't file it twice and it had already been submitted. I feel like I lost my own money. Terrible!

Credit Karma states I have a collection account as of 1-9-2019. I called the company that Credit Karma says is on my Experian and Equifax report and they said no they have nothing in my name. Also I pulled my 3 Free reports from the 3 credit bureaus and the company is not on them. That’s proof Credit Karma is discrediting my good name and credit. I’ve printed the Credit Karma info and also token a screenshot where it shows 2 different names for the same company Credit Karma is reporting. I’m going to my lawyers in the morning. I’m suing for all I can get, they’re messed with the wrong person.

Will not let me change my phone number. It sends a code to my OLD phone, but I don't HAVE that phone anymore! Just emailed them last night, though. Nothing yet. I don't wanna wait. I want my money! Will look into another site. No one to call.

When I initially signed up for Credit Karma, they seemed helpful and even educational about the process of helping rebuild my credit. Over the years (yes my credit rebuilding is still "under construction") I've become suspicious of Credit Karma's tactics. For example, they congratulate me and tell me how great I'm doing when I really haven't done anything at all. Then I see my scores have gone up so I apply for one of their "recommended" credit cards and they tell me my odds are good for getting approved. Not true, and I am quickly denied for lacking a track record of credit card payments. Duh.

It took 17 days for support to respond to my email. I tried on several different platforms to enroll so I could check my credit in preparation for buying a house, but the app was ‘malfunctioning’. I tried to reach them through several different emails. No phone support. Unattended emails. Considering most people are on a timeline when looking at credit reports, a 17 day wait on any kind of response in useless. I would consider going to freecreditreport.com. Login to account creation took 5 minutes.

Be careful, Credit Karma sells your name and address to their "affiliates" for credit card offers without your permission even though you opted out in your privacy options. I have complained numerous times to customer service in emails (unfortunately there is no telephone support) but they are stupid as they come and no help at all. They should all get fired. I will be cancelling my account soon and reporting this to BBB. DO NOT SIGN UP WITH THESE CROOKS!

I used to like Credit Karma but now I think it is useless. Most major credit cards provide credit score, even banks do (Chase does). They are getting paid for ads and have no responsibilities if by applying and being denied, your score actually goes down. They push notifications - apply, apply, this is based on your credit score. I applied, got denied and credit score went down for "hard inquiry." This company does not bring much value any longer. Do not recommend.

Their current ad exploits Emotional Support Animals. The one they show is not even a real animal, it is hideous to say the least. I am aware that airlines are not allowing Emotional Support Animals to ride with the passengers any longer. Credit Karma is making a very bad joke about this. I am deeply offended and wonder what their point is?

Credit Karma is a scam. They are getting their money from kickbacks off of credit cards that charge high percentage APRs. The reason Credit Karma continues to tell people they have low scores. I started out with a score that matched the big 3. Then, after subscribing to Credit Karma, they have been all over the board with this company. I have done all of the things that people are told to do to raise your score. I have ordered new credit, used it then paid off quickly, oh, too quickly?

I have been using Credit Karma for several months now, and like others say it is easy to use. They constantly want you to use “partners'” credit cards and personal loans. My scores with Credit Karma have been in the fair and the needs work. Recently we contacted a mortgage lender to refi and to pay off other loans. Mortgage companies of course check your credit, they also notify you of what your scores are Experian - score 740, Transunion - score 725, Equifax - 713. Credit Karma was way below that. They wanted me to use one of their “partners” for the refi so it would help my credit scores go up.

Ran my credit with Credit Karma before trying to lease a car and it showed me my "good credit score." Got to the car dealership and they ran it showing 200 points lower. The whole reason you run your credit is for the truth of how you appear to lenders to make sure you can do what you need to in life - get a car, a home etc. Why does Credit Karma even exist if it's going to mislead you about crucial information. There really is a big difference between a real FICO score and the bull_ score you get on Credit Karma. I would never use it again and will warn everyone I speak to not to use them either unless you want a big shock when you go for that car or mortgage.

I received a call from unknown number. The person identified themselves as from Comenity Bank and said I owed $79.00 dollars. However they could not tell me for what. I informed them without proof, I was not paying. I then got notified by Credit Karma that I should pay Comenity Bank and they lowered my score on their site. It was all a scam and Credit Karma was part of it. Beware and investigate what they tell you. It is impossible to get in touch with them. I am no longer a member.

I rec'd an email from Credit Karma. I went to the website. It showed different companies where I could get a loan. I did not apply for a loan. Next thing I knew, I had responses where I was turned down for a loan for various reasons. I think Credit Karma applied for me or something. I DID NOT WANT A LOAN! Now the info is on my credit reports, and it wasn't me. It needs to be fixed, but I don't know where to contact Credit Karma.

I recently applied with a creditor for medical care and was denied because of my TransUnion score. They informed me of what it was, which was a whopping 30 points less than what’s showing on Credit Karma. Can’t depend on CK info.

Am I the only person who doesn't understand. I mean seriously tried to check my credit and it asks for my credit card info. I didn't put it in and it won't let me complete the process so Credit Karma and your false advertisement: shame.

I attempted to create a Credit Karma account two weeks ago, only to learn that someone else had created an account with their email address using my personal information. I attempted to contact customer support, asking them to verify my identity and tell me how long the account had been open and what information they had shared; I made it known that I was not interested in using Credit Karma's credit services, and that I didn't want to simply change the email address associated with my personal information, since the Credit Karma website clearly states that changing the email address for an account erases the prior credit reports and usage history.

Credit Karma sent me several emails that I had been preapproval for a Personal Loan. So I applied, the way I understood it would not hurt my Credit Score. The Loan was preapproved so I would get the Loan. Then I got a notice from Credit Karma that someone had applied for a Personal Loan and my Score Dropped. Then I received a email that my loan had been turned down. If I would have known that, next time I would have used a company I could have trusted!

I received an email just over a week ago that there was a hard inquiry thru TransUnion on a Barclays Bank credit card. It dinged my score by 4 points, so it got my attention. Called Barclays and it was fraud. Sent letter to TransUnion, since they won't handle fraud cases on the phone. Long story short, they saved my butt!!! Thanks, Credit Karma!

I've enjoyed the service for some years but they have major flaws: 1. The scores are not remotely close to what the credit companies provide. For example, CK and the real scores for TransUnion had about an 70 pt. diff. (higher on CK) between the true score and what Credit Karma produces. I just bought a car, I had just seen my score(s) on CK as I do look periodically and asked what my real score was at the dealership. CK was worthless due to the huge discrepancy and my timing was great since I knew my CK score. That convinced me it was time to say farewell.

My experience with Credit Karma has not been good. Even though my credit score is over 800 they have some wrong information on my report. They show me with a Tennessee driver's license and I have lived in Georgia for over 30 years. I have contacted them through their website and just get a response that they get their info from a third party. I have checked with all the third parties that I can think of and they are all correct. It seems like Credit Karma is the only one incorrect. They will not tell me where this info came from so I can get it corrected. They do not seem to understand or care that I am concerned about identity theft and like a lot of people on this site have said there is no phone number so you can talk to a person.

All I wanted to do was look up score but they couldn't verify my identity, wouldn't accept the pictures of my license my phone was taking, and they don't even have a customer service phone number. Awful.

I was notified that one of my accounts was breached, so I went to log into CK to review the issue as CK prompted me to do so. My password, which I knew to be correct, did not work, so I changed my password. The new password wouldn't let me in so I changed it maybe three more times, being very careful and I still could not get into my account. So now I'm concerned about my breached account and there is no customer service person that I can contact at CK to have them figure out what is going haywire in their system that is precluding me from accessing my account to review the breach. I went from being a very happy CK user to being very disappointed, aggravated, and concerned with them over this. They need a customer service line, or at minimum messaging support, but they have NOTHING that I could find.

I thought this site would be an excellent way to stay on top of my credit scores and things I need to pay attention to. The problem is the score Credit Karma shows you is NOT the actual credit score you have with TransUnion or Equifax. I pulled the yearly free reports from the credit bureau at the same time my scores were "updated" with Credit Karma and found Credit Karma was reporting my scores 55 points lower than the actual bureaus. They are just in the business of "selling you" products that pay them to recommend their services to you! Want to know your TRUE scores get your FREE report from the credit bureaus directly. Also a lot of cards include your credit score on your statements.

I spent over an hour trying to upload my state id. Over 30 attempts. Numerous lighting conditions and resolutions. If one side went through...being the photo side there was absolutely no way to get the barcode on the back of id to upload. Even tried using another device. Ridiculous.

I used this service for less than a year, and then overnight my access was denied. Came to find out there was a new email associated with my account. I contacted them and told them that this was fraud in process, and supposedly they froze my account with them and told me to go to the authorities. They were not forthcoming as to what had happened or if my information was compromised or used in any way. I know the Bad security was in their end, since I am the only one from my side that has access to my device and information. BEWARE of using this company, maybe I am the only one that has experienced this, but maybe not.

Credit Karma free report said I had a 624. Come to find out at bank I don't have a score due to not using credit for several years. Was hugely embarrassed and let down. Now I have to start over but no place will start your credit without already having any. They don't take in mind all the bills I pay on time but if I missed them they would hurt my score. How is this fair. I need to sue Credit bullcrap. Just haven't figured out how yet. Don't believe the hype people.

I was very impressed with Credit Karma at first. They gave me good counsel and finally, I was able to climb to 700+ Score average. I thought I would get another card with points, so I applied for an American Express card with "Very Good Approval" rating. I was denied because my credit history was only 2 years old. Shouldn't this be factored into the recommendation formula? Why was my approval "Very Good"? I cleared up some late reporting from other cards which brought all of my cards down to zero with great history and no derogatory remarks etc. I reapplied for American Express with "Very Good Approval" once again and denied once again!!!

I only dealt with them a day or two and overnight my credit score dropped 5 points. They are just trying to sell Capital One credit cards. THAT IS ALL! They tell you, "Go apply for this card. Great chance to get it"... Don't tell you every one you apply for drops your score at least 5 points. After reading these reviews this company is exactly what I thought it was. A RIP OFF. I am going to talk to my bank about my credit and getting a card through them. Best to just keep scrolling. Don't go to Credit Karma.

Credit Karma was much better when your accounts were updated daily. Now you are at the mercy of the two worst credit bureaus. Each only update once a month, so if you pay some cards off it will take minimum 30 days for it to show. Credit Karma is for research only and looking at your credit report at any time.

I signed up with Credit Karma and I check my account regularly - my credit began to rise and Credit Karma started offering options to apply for certain companies as they thought it was a good chance for approval - No. This company is paid by the sponsors to advertise their services whether you are qualified or not. This also cause more damage to the account that they are suppose to help you resolve with the inquiries affecting your score. Leave the company to their sponsors and save your money and your credit.

I signed up and everything was OK for six months. Then all of a sudden they were showing 28 negative accounts. They are not on my credit reports with the three main ones! I contacted them three times with no reply. They kept sending me emails to contact an attorney to get help with my credit issues. Lol. What a scam!

So my credit score on TransUnion is 592, I understand that bad, but never do anything for anyone that will destroy your rep and credit. When I went to go purchase a car at a dealership. They came back after checking my credit, well to my freaking huge surprise shocker. My TransUnion credit score was 464. How the ** is there a 128 score difference. Credit Karma should be ** shut down.

I have been using Credit Karma for a couple years and during that time I have had a couple different cell phone numbers. I have been able to get logged into my account but cannot view my tax records. I try to click onto my tax account and am blocked because I am accessing my account from an unknown address. I appreciate that but they have my old phone number on file with NO way to update it. I went through the whole process of updating my cell number, selecting that I did not have access to the old one, uploading photos of my license, only to be redirected to the beginning of the mad race and be instructed to go through the process of uploading again. I have had issues with them before but this is the most frustrating because I NEED those documents and they are technically MINE!

I just un-joined Credit Karma, after more than 5 years as a member. When I first signed up it was rather unique in being a free service that gave alerts when some company checked your credit. But over the years, I have accumulated other services that give the same free alerts and credit scores. Some are through credit cards, others are just because a company had a security breach, and they provide a free monitoring service to everyone who had their information part of the breach. Then in the last few months, Credit Karma starting ignoring their own policies about sending me email. Even though I always had the box that says "Email Me Relevant offers" turned off, I started getting all kinds of useless crap about getting loans etc. And they refuse to turn those off. So it’s gone from something that was useful to something that is an annoyance. So I left.

Within 1 month my CK score has gone from 674 to 620 to 617 to 660 to 622. Absolutely nothing has changed to cause this fluctuation. I know CK is not accurate and that banks use completely different formulas, but this is ridiculous.

Credit Karma, credit sesame etc are only click sites to sell credit cards. The scores are nowhere near anything a lender requires. 3 larger banks told me this when applying for a mortgage. Garbage, bs. etc. Discover is claiming to give you a FICO score. 100% not true bogus numbers. Then they recommend another credit card to buy. I have 2 secured card, only 200 bucks each 3 weeks old no payment due, my score dropped 80 points lol. Although they say you need cards to increase your score. These scammers need to be shut down.