Credit Karma Reviews

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.

It is troubling to know that a business such as Credit Karma, which has access to your personal information, yet does not have live customer service. The number on their "Contact us" is not in service, leaving you to have to print a form and mail it to get resolution to urgent matters or concerns such as access to your tax info, or addressing account login issue. Being that it is accessed via internet shouldn't the FCC standards apply to them when handling customer concerns.

APP Doesn't Work. Verification failed repeatedly. I'm a native US citizen with no criminal record, good credit, and valid ID. Credit Karma wasted an hour of my time and does not work. It was unable to validate my ID. Don't waste your time. Use a different service.

This Credit Karma is total crap. They say they don't ask for my credit card to get my score, lol. That's exactly what it did and when I didn't give it, I didn't get my "free" score, what a misrepresentation if I ever saw one.

Get the monthly emails like everyone else. Says my score was 760's. Actual score when getting credit run... 705. Talked to 2 guys when house shopping and they said they said this is fairly common. Knock off around 40-50 points and you'll be closer to your actual score.

Everything is easy to use and understand at Credit Karma. I like that they email me and provide updates on my credit score. I also like that I can see basically anything I want to via Credit Karma website. It is absolutely convenient and I enjoy using this website.

My overall experience with Credit Karma has exceeded my expectations. This site is well thought out and provides me with all the information I need. I find the information on their site to be useful and the monitoring of my credit helps me to be proactive in looking for credit issues. I am very happy with the information I receive. Updated and accurate credit report for free as well as suggestions for ways to improve your credit rating, credit card offers based on your rating, and general information about what the different parts of your credit rating mean.

I like the fact it asks you things from your personal life that only you would know. That way no one else can get in and view my credit score, it's the only website that I actually trust to go on and see my credit score. But when they ask those personal question, there's one I always get wrong and I can't remember it, so after I get it wrong I get locked out and can't keep trying. I just wish there was something else I could do to be able to get in and check my credit score again. But it is the best website that I know of or that I have used. I am satisfied with it.

Credit Karma is very easy to use. It's semi factual, and accessible both on mobile and online platforms. The website is fast and easy to use. I feel as if the information isn't one hundred percent true, because it's not an actual credit company. But I feel like it's pretty secure and genuine about the results. It gives a good representation on what your credit score is. It also has helpful tips and information. Credit Karma also helps with other opportunities to improve your credit score and how to maintain it. But I would like the website to be more accurate and secure.

I like Credit Karma. It is free and it gives useful, helpful information that is updated weekly. It also is easy to use and gives recommendations to improve your score. It offers TransUnion score and I think Experian too. But I don't need more credit cards. I don't think they should be a part of Credit Karma. They hurt my credit in the first place. And I would like more ways to improve my score on a monthly basis.

The website was very easy to use and my credit was made available immediately after logging in. The site includes info from all the credit bureaus. Also gives you a break down of your credit and shows all your credit since you had an acct Like how it breaks down each acct with the length of time it has been open. Accts are easy to read and Accts all are on the same page. But the credit info with the report needs to match the other credit reports. Would like the accounts to be more broken down and easy to read. Should give you more alerts and let you update more often. Should include all 3 credit reports. More info about the closed accounts and less info on accounts. And I would like to be able to contact the other credit bureaus at the same time.

I love Credit Karma. I have used it for a few years now and it seems like a pretty awesome site. It is very secure and offers you tips on how to improve your credit. They also offer a very secure and safe environment and even log you off if you forget to. That way your password and info stay secure. I have been able to raise my credit score by a few points and plan on signing up for a credit card in the near future to improve my score even more. You can make your credit good within as little as a year using a secure card.

It is simple to sign up, it is quick to get your credit report, it is free. Easy to access. If you want to pay for the service they give you the option for more services. Can get notifications if pay for the service, to keep up and monitor your score. The Credit Karma site is good as it is.

It is very easy to set up and take very little time to do. It is completely free and easy to navigate through the website and it give helpful information about your credit score. They send emails and updates about credit score and I like that so I can keep up to date with my credit score. It also shows what credit cards are best for you to try to apply for and which will be more likely to approve you. But I wish there were more information on how to build credit. But other than that I can't complain about anything else. It is a great site to use.

Doesn't require a monthly or yearly subscription. Don't have to enter debit card number or other billing information. Provides emails with any changes to credit report. However, website could be a little easier to navigate. Doesn't show all 3 bureaus at once. Doesn't offer enough explanation of how credit score is determined or ideas on how to improve score. Nevertheless, it is a secure website with good better business bureau rating. Most recommended credit score and report website. Easy to navigate site. Easy to create an account. Not too many personal questions.

The Credit Karma site seems to be secure enough for my tastes and I was able to view my credit information and use that information to figure out some financial issues. It's a fast way to get your credit score and figure out how likely you are able to get a loan or anything else that you might be applying for. It was a positive experience with Credit Karma. But I am always nervous about giving out my social security number over the internet as you never know exactly how secure a website is and there's a lot of shady companies out there.

Credit Karma was easy to use and quick to process. I needed to clean up my credit and it's helping me do that. It helped me deal with my credit issues. It was flashy, and kept my attention. Some parts were a little overly flashy though. Also it was extremely over personal, and I was amazed to find that I had multiple credit reports but it seems a little confusing. I was lost for a portion of the time in navigation. Overall still, it was good although it was a little frustrating, I wish there were more helper tools to keep things moving at a quicker pace.

I really like credit karma. This is an excellent and a free way to check it my score without affecting my credit. I felt safe giving my personal information, and I can check my score anytime I need to without a hassle. I have the app and I check my score about every 7 days. I use it a lot. And it gives me options for credit cards that I can be approved for. It gives me breakdowns of my credit report. It's not an exact score though, and I would like to know my exact score. But even if it's not exact I still have an estimate. And shows me how I can improve my score. It's a great site.

My overall experience with Credit Karma has been amazing since I first signed up, they made it super easy and understanding to use. I can do so much on the site like apply for a credit card specifically to improve my credit score. They provide me with the total amount of debt that I am in, just a lot of cool informative things. It offers you to file your yearly taxes free of charge, not many sites have that feature and I think it is amazing. But I dislike how the site has two credit bureaus that are not synced with each other. For example: my Experian score would be 680 but my Equifax would say 720 and the collections are off on both credit bureaus. Otherwise I truly appreciate Credit Karma. It is a safe a free way to stay on track with your credit score.

You can download the app to check your credit whenever you want to and it is updated very frequently so it has accurate and current information. It breaks it into categories to easily understand what affects your score and how much each category affects your score. If you find something that is not accurate it helps you dispute it with the credit bureaus.

Credit Karma is a well known company. The fact that many other people use it as well makes me more comfortable. We are able to talk and relate and relay information to other people. I like how it is easy and free and I truly enjoy the ease of access. But I would love to feel more secure and to offered more options for other types of credit scores as well. I would like a more personalized experience where I feel like it's suited for me exactly.

I have mixed feelings about the site. It is a good way to track your credit score and look at the factors that are affecting your rating. I think overall it is a good tool. The problem I have, is with the "Credit Simulator", which I have found grossly inaccurate. You enter in a "what if" and it tells you how that scenario will most likely affect your score. So, I punched in what would happen if I opened a new credit card with a $500 credit line. It predicted that it would increase my score by 32 points, the effect however, when I applied and was approved by one of their suggested partners, the hard inquiry lowered my score by 8 points.

I did my taxes through their system and it did the allocations incorrectly. I then messaged them about this and was told by their customer service that I could file an amendment but they couldn't do anything even though their product put the information in improperly. I put in that it was split allocations but their system put it as a whole and I am still trying to fix their screw up.

My overall experience was great. The website is generally easy to use, and for the most part is helpful. I appreciate the information they provide regarding my score. I liked how the website not only gave me my score, but it also listed other scores to compare. In addition, the site listed reasons why my score was what it was, provided suggestions for improving it, and alerted me when an event involving my score had occurred. I dislike that sometimes I'd like to see who's viewed my report, what some of my alerts are, and access details to other comparable scores, but the website requires you to purchase these features and I'm not willing to do so.

I very much enjoy using the mobile android app to regularly check my credit score. I appreciate how easy to understand and detailed everything is. It is a wonderful app and all of the features are great. It was easy to download, very simple, user friendly, and visually appealing. The colors are very nice and easy on the eyes. Also, I like how each credit bureau is broken down simply to show different accounts and their activity. I would recommend it to anyone looking to check their credit score.

I had a very good experience with Credit Karma. I use it every year to check my credit report. It is much easier than checking each reporting agency separately. The information provided is thorough and specific information on how to file a dispute is provided even if it is complicated to do. However, it has a tendency to have some outdated information, too many steps to verify identity and complicated process for filing disputes. But other than that, it is a quality site for routine credit checks & credit report maintenance. I like that it is free and you get your credit score immediately. It aggregates reports from all three of the major credit reporting agencies and you can run your own credit report without affecting your credit scores.

Credit Karma is a great site to join. I love that it is free and you are able to get your report fast. It is an easy site to sign up for. They also give you credit monitoring and emails!

Credit Karma is a great credit checking site, although it was a little difficult to navigate the site at first. It sends monthly updates, is free, and sends alerts when there's been new credit opened or a change in credit use. I can also see how much I have left to pay on a loan. Good information provided, very satisfied with site. I even check out credit card ads to see if there's a better offer than what I currently have. Loan payoff info and credit history is also given. Since it is free to use, there are ads, mostly for credit cards. It updates once a month, which may not be often enough for some users. The site is easier to use on a PC. I have used it on a tablet, but not a smartphone.

Using Credit Karma was a very good experience and provided with me with new information and solutions on how to build my credit. I like that it provides free credit reports, information, solutions, and suggestions on to build/repair credit. I really enjoyed the site and will continue to use it to keep an eye on my credit score.

Credit Karma has everything that a paid credit score website would have. It explains why my score is the way it is. I can get an overview of my score and get offers on how to help fix it. It gives a list of the things that's causing my score to not be where it should be. I like their free credit score that doesn't affect my current score. It explains why my score is the way it is and offers help to fix it. It offers cards that I have a chance of getting as well. It's a great site to use and love that it's free. I would even recommend Credit Karma.

I changed my telephone number & tried to locate on their site a change of phone number but was unable to locate so I emailed Credit Karma as they have NO phone service. They said they did not recognize my computer & requested my photo ID! I don't trust them. Identity theft, perhaps?

By opening what we thought was junk mail sent to our address, we learned that the intended recipient had gone through Credit Karma to apply for a loan. Credit Karma apparently sent the person’s application out to lenders (one of whom mailed the intended recipient at our address). With mortgage fraud and identity an increasing problem, we grew very concerned. When we contacted Credit Karma, this is what we learned: You apparently can’t call and talk to anyone (what company operates that way?)

I am very satisfied with how the site is laid out and works. I like that they update it daily and that they alert you when something happens to your credit. The features are easy to use and the whole site is easy to understand. They also have live chat for issues you're having. However, I dislike that they call you multiple times and they text your phone to try to get a hold of you. Also, you don't get all 3 main credit reporting bureaus in one location.

Credit Karma is informative and enlightening. I remember using the site because it being advertised, but it is free and that it is relatively easy to navigate. However, I dislike giving the information necessary. I know it's mandatory but this is why I don't use it more frequently.

It was simple to sign up on Credit Karma. I did feel a little uneasy about providing very confidential information online, however. Once I signed up, I received my credit score and report instantly. The information provided is extremely accurate except for my actual credit score. My real credit score is much lower than what is shown. In addition, I also don't like that they bombard you with so many special offers from credit card companies. Although, I like that the site send you alerts when something has changed in your credit report. I also like that the site has very detailed and accurate reports from Transunion and Equifax.

Credit Karma was well worth it! I find it easy to navigate and it provides enough info showing me that my credit score keeps going up on a monthly basis. Once per month it sends a reminder to check my monthly credit score which I do, and that meets my needs. It does not overload me with emails on a daily basis. It would be better if it could have more than two credit bureaus to show my credit score, like three to make more of a comparison. This is not a big issue to me though.

Let me start by saying I have used Credit Karma for about 5 years, it’s a nice tool to use to view your credit accounts, however if you decide to use them they are consistently 50 credit points higher than the actual credit bureau pulled with an auto, mortgage or any reputable lender. Which deceptive when you think you have a score high enough for let’s say an auto lease but then they pull your credit and the score is 50-60 points lower.

My husband and I use this site to monitor our credit. He has found some disputes on his credit report and Credit Karma was able to help fix the problem. I like that you can view your entire credit report and file disputes if you find something not accurate on your credit report. Also, the website is very easy to navigate. Credit Karma also provides a list of open lines of credit and current debt. It's a great way to monitor your credit cards and spending. However, I wish there would be less credit card recommendations. There are many recommendations listed on the website and it sometimes interferes with what I am trying to look for.

Credit Karma is the best site for checking your credit score. It's free and easy to use, which is better than competitor site and other ways to get credit score information. However, I don't like is that there are inconsistencies in the two credit bureaus they report. Also I don't like that It only updates weekly and it would be great to have more real time results. Overall experience is great. I love that there is an app which is super easy to use and the information updates once per week. It's easy to check. It has helped me make credit decisions too. It's positive and will continue using it.

Credit Karma is easy to use and not confusing. If I have any questions, I can easily find the answers. The website is set up in a way that makes it maneuverable. Furthermore, I don't get emails from the company spamming my inbox. A lot of people use it and have great words for it. There are lots of reviews that show it is a helpful site and accredited. They are fast and give a lot of information about your credit history. Others that I have recommended it to say they prefer it over other sites because of how quick it is to use.

I liked that Credit Karma showed my credit report from two major companies, and that Credit Karma shows me what is hurting my credit score, and allows me to dispute claims against my credit. However, I would like to see Credit Karma tell you ways to correct anything hurting your credit score and how to go about fixing it other than taking out a credit card. Other than that, the information provided is very helpful when trying to figure out if you are good or not when it comes to financing and the website is easy to use so anybody can use it.

I love the Credit Karma site being free and offers many different options. I visit monthly to see if score has improved over time and due to options available. Shows credit score that can be improved by doing actions and also shows options for loans and other consolidation options. It also allows for disputes of items that are easy to perform. Offers options for good credit card companies that I could not find anywhere. But I wish they have more accurate scores as compared to FICO scores that are sometimes higher than their score. They should also have easier viewing options for quick information reviewing and less monthly email reminders should be sent.

I hadn't checked my credit report in many years, so I decided to try Credit Karma since it was free. Not only was it easy to use, but periodically they emailed me when anything changed about my credit report. If there is something added or deleted, I will get an email about it.

When I first entered the site, it appeared very well designed, like time was carefully taken to make the appearance professional and comfortable for the consumer. It was aesthetically pleasing with a very modern look. It was easy to fill out the for me, I navigated with ease and the time it took was not long. I was pleasantly surprised with the little information I needed to provide so that was convenient.

Lots of loan and credit recommendations. Easy to use and dispute items on credit report. Easy to view and user friendly as well. Gives great recommendations. Helps with bad credit. Highly recommended. But I don't like that it keeps the old credit card recommendations even if you already have that credit card on file. Their mobile site is hard to understand and doesn't have the third credit rating company.

It's the best credit score company out there, and it's free to use. Also compared to other sites it's the simplest one and it has the simplest look to it. However, I dislike the layout of the website and how there's not enough features added on it. They should add more to the site. Other than that, it's really easy to use and you get your credit score faster than a lot of websites. Overall everyone that's used the site is guaranteed their satisfaction.

I'd like to be clear; I don't know if there are pretenders, but www.creditkarma.com is the best thing that will ever happen to you! They changed my life to advice on moving credit card accounts to loans to how to keep my balances low and improve my credit score every month! I save over $600 a month on their recommendations and they keep doing it every month! They charge you NOTHING... ZERO dollars but will save you money no matter how bad your situation is right now and you will quickly see results!

The site is easy to navigate. It not only will provide me with my credit score but will also show ways to increase my credit, often through credit cards designed to build credit. As a well advertised company, I felt safe using this site.

Easy to use and lots of different drop down menus. It doesn't make you pay and allows you to find some information about your credit score. It's easy to login in and setup an account. The free site could go into more details. It also could be cleaner so that a customer can find things like negative scores or recent inquiries and more comparisons of where your credit is compared to others. Furthermore, it didn't show me details about my negative items. I clicked on each drop down at the top and showed one negative item. When I clicked on it you could not find any other details about it. Overall, Credit Karma is a great place to view your credit score.

I like that Credit Karma tracks everything, and I can see changes over time. I don't have to leave the site for anything, I can make payments, dispute transactions, and view pre approved credit card offers. However, it would be cool to receive weekly credit score reports via text so I don't have to log in every time to check. Other than that, the site is really easy to use and has tons of useful features. I can see my payment history and what percentage are on time, credit card utilization. I really like the "what if" tool that can simulate my credit score if I were to open a new account or miss a payment.

Credit Karma was great until I couldn't log in to my account and view my taxes! I decided last year to use Credit Karma taxes since I loved the app and helped me resolve some discrepancies on my credit report. However they require a passcode that is sent to your phone to log in. Well I have a new phone with a new number! I am not able to log in to my account because it keeps sending a passcode to a phone no longer in service.

Free tax returns - Credit Karma has the WORST tax preparation software. The word SLOW can't even describe this tax preparation site. It's extremely hard to navigate, slow & don't even try to edit any mistakes. All I got from this tax service was a nasty migraine headache. I will NEVER use this service again.

Unlike most free tax preparation software, CK purports to support a long list of IRS forms. The problem is they don't support some of these forms correctly. Last year, Credit Karma was prepared to file my return with a form 8283 (Noncash Charitable Contributions) that needed to be signed by an appraiser. It was, of course, not signed, but they were ready to submit. I had to get the form signed and download the other forms and mail my return in. This year, CK entered on my Schedule A Itemized Deductions form a charitable donation amount that exceeded 50% of my AGI. This is against IRS rules. This amount should have been adjusted to 50%, and the rest of the donation should have been carried over.

This was a 4 1/2 hour nightmare this year, so NEVER AGAIN! It kept coming up with errors and it's click-on box saying, "FIX ERROR", only took you to a brief description of the category WITHOUT LETTING YOU EDIT IT and the error was by Credit Karma not me! This Error kept showing up, that I had to re-fix FIVE TIMES!! ---> Self Employment or Side-gigs<--- and THEY Pre-select boxes (check them off) that should NEVER be pre-selected, like Statutory Employee and Sick Pay. ALSO they had my School district WRONG AND CITY WRONG!

Free, my butt. They charged us $39.95 twice, for which we never received any paper or electronic bill. Look for Scoresense on your bank statements. They declined to refund our money stating that it was "requested after your communicated billing date." There was absolutely NO communication, period. No, it's not free, as they claim. False advertising. So, Credit Karma, if you refund the $79.90 that you defrauded from us, I'll consider having this review taken down.

The tax prep site is difficult to navigate if using 1040 form w/ deductions. After 14hrs it accepts then tells you to come back later. Won't let you see tax form & must e-file before you can look at 1040. I tried to get chat rm to respond. No luck. Computer generated responses. Very frustrating experience. However the 2016 program was a much easier to navigate. That's why I went back. Not again.

The service is horrible. Not only are the recommendations wrong and actually damaging to your credit, but the customer service staff is totally unhelpful. I warn anyone not to register with this service. It is just a sales vehicle for credit card companies and a predator of people who register on the site. The brand promise of the company is completely undermined the moment you see that all they want you to do is sign up for more loans and credit cards.

I got married in 2016 July. I try to update my information. My new name is Helen **. It keeps on saying I'm Helen **. There is stuff with the ** name on my credit report. I might cancel looking at Credit Karma. Please I want my right name. It's been almost 2 years.

I have tried for months to reset my password. Every time I try it brings me in a circle. I follow the instructions and after I did it, it brings me to the beginning again to do it all over again. I’ve done this probably 30 times. I’ve tried to call. I’ve emailed. I’ve done everything just asking for someone to try and help me. They’ve ignored me every time. I don’t know how they make their money but they certainly aren’t interested in keeping customers. All I’ve done is ask for help when the instructions they gave me didn’t work to reset my password. And I’ve tried over 39 times on different days for 2 months. Great customer service. Thanks Credit Karma. You ask questions on the site if the information you have is wrong. Why bother if you’re not going to follow up. This tells me you don’t care. Thanks again.

I've always used Turbo in the past. And there was always a fee for Federal and State. Last year I used Credit Karma with no fees at all. I did a trial on TurboTax and then went to Credit Karma to make sure it came up with the same numbers as TurboTax, and it did so I knew that Credit Karma was correct. So I filed with Credit Karma for free for both Fed and State. Submitted my filings and 4 weeks later received my refund into my direct deposit bank account. They walk you through the online process and it was so easy. I am using them again this year.

I did a dispute with them. It was to be final on 3-21-18 more than 2 weeks ago. I called TransUnion and this was completed before that date but today is 4-3-18 and it still is not updated. We are trying to fix our credit but Credit Karma will hold you back. Seems they have a ton of junk mail sent to you. Seems the more I check my credit with them the more junk mail I receive.

Since signing up, I went from NO credit card offers by mail over 20 a month with one saying I was pre-approved but then turned down. Then paid for FICO based on Transunion. Credit Karma has my Vantage score at 758, actual FICO is 638 for Transunion! They also constantly recommend opening a new line of credit which will defiantly hurt my score and I've already been turned down by their recommendation, so now they are recommending at twice the rate!

My email changed and it's impossible to change it online. I followed their instructions and it doesn't work. Their customer service (sic) was of no help. They wanted me to fill out a detail form and mail it to them. Don't trust them with your data.

Just my opinion about Credit Karma. Even though the website may seem like it is free I was suckered into getting a credit card with an annual fee through their site which I was not aware of until card came in the mail!

I like the credit simulator and recommendations from Credit Karma. It helps me to see what I need to change and how it will affect me and also what cards or programs I would be able to qualify for that could also help me. I have been able to increase my site by utilizing the site but sometimes I worry about the accuracy of my score because of the lack of updates. When I decided to check my score to purchase a home, I noticed that my score was slightly higher. I hope that they update scores more frequently so I can see a more accurate representation of what my score really is. But I'm not sure if that's an issue with the site or the credit bureaus.

It was easy to use and provided quick results, but I have seen other credit reports that are more detailed than Credit Karma. As far as features go, it was very basic and didn't offer a wide variety of features. I was expecting more than what I got. They could provide more further information or details on the report. Still, I was satisfied with the overall outcome and product.

I like this site. It is helpful, easy to navigate and has great tips for improving credit score. Also provides periodic updates on score which is useful. The tips are one of the best features but specific tips regarding credit issues are also helpful and I wish there were links to credit education. Budget and finance info and links would be great information. And also, having better security features would be an improvement to reassure members that their information is safe and private.

I signed up with Credit Karma and it was super easy. I like that it's simple to use, and they use great, easy to read colors and you can see recommended credit cards and get tips about how to improve your score. I had to provide a ton of personal information, but I was ok with that. I had a hard time coming up with a password that met their requirements, but otherwise everything was quite enjoyable. I remain very satisfied with how the website works. Sometimes their recommended cards don't approve me but that's not Credit Karma's fault.

I like that Credit Karma is accurate and easy to use. The information they needed was self-explanatory and I was able to complete without any issues. I really don't like giving information on a website because I am always afraid of being hacked and my information being distributed to the wrong people. You can never really be sure that you are 100% secure but I feel that they will keep my information safe and I will not have to worry about my information being found on the web. I would recommend them if anyone ever asked me to.

Credit Karma's tax preparation site is the worse I've ever used. I usually use TaxSlayer but thought I'd save some money and redid my taxes this year using Credit Karma. It was a horrible experience and I gave up. I couldn't find where to enter basic information like the taxable portion of SSI or where to enter taxable interest. Trying to use their chat help was a nightmare. It was very slow to respond to typing and dropped a lot of the letters I typed. Once I did get my question typed in, the support team was unable to answer my questions or didn't answer the question asked. It may be free, but my time is worth more than to me than the money I'd save by using their site. If I didn't know how to do my taxes, I wouldn't have any confidence that they were done correctly. For my money, I'm returning to TaxSlayer whom I've been satisfied with for years.

This site is very useful. The information and tips from Credit Karma were great. The information is detailed and I liked that it gave me advice on what to work on. The charts with percentages were easy to read and understand. It is also helpful that you can request to dispute something directly from the site. However the ease of use needs a little help. I do not care to have extra windows open but jumping between pages is just a personal dislike.

The system was easy to use, get my results and everything I needed was right there in one spot. I thought it was great that I could continue to get updates on my credit rating through email and I liked that I could submit disputes if I found anything wrong on my credit report. My experience was positive. And I was so thankful that the experience was free.

Credit Karma guarantee no leaking of personal information and the information provided appears accurate. It is easy to set up an account, use and gain access. It offers suggestions for help if needed. Overall, I am happy.

Credit Karma doesn't ask for credit card information. Also, it is a mainstream credit report site with a good reputation I felt I could trust. However, it is risky anytime you input personal information. So they could try to make people feel safer using it. Other than that, it did not take very long to receive my credit report after I entered my information. It was an easy site to navigate, directions were clear, they didn't send me spam after using it.

I went to the site hoping to find my credit score to see if I could get a car loan. I like that it provided my credit score, opportunities to bring my credit score and my chances for getting approved for a credit card. In addition, it showed me what my positive hits were as well as what my negative hits were. However, when I went to get approved for a car loan I was surprised to find out that my score was a lot lower than the site told me. Also, I would like for it to be more user friendly. To get to the information I want I have to make too many clicks. And, my bank needed my FICO score which the site did not provide.

I like Credit Karma because it doesn't lower your score, it also tells you what you could do to help you get a better score which is very helpful for me. I wish the score would be more accurate. I would rather not use another site to check the accuracy and have my score lowered because of this, it also needs to be updated more often since I followed the advice the website showed me and after I fixed the problem it still showed up 2 days later. Overall, I would describe it as decent and I hope the website continues to improve its feature so my experience will be more enjoyable.

I have an 836 credit score and pay huge sums of money every month. I just paid off a car loan and I own 3 cars. I paid off one car 2 years early. My credit score fell. I make about $5000 a month and keep my bills to a minimum. I have over $30,000 in credit cards and keep them less than 20% owed. I own a house that has over $50,000 in equity. I am retired and shop cheap all the time. Credit Karma keeps trying to sell me credit cards. I have enough of them but they keep dropping my score. They are not worth the low score to me.

Ignore their odds on credit card approvals. Useless. I just opened an account. Score info was helpful. Then I check on credit cards for a possible transfer. Three options. Two were 'fair' and one was 'good'. So I applied to that one. Thirty seconds later... That noise is my score coming down. Thanks for nothing.

I've never had an issue with filing my taxes until I used Credit Karma last year. All of a sudden I'm receiving a CP2000 from the IRS. My income is correct, but apparently Credit Karma did not separate my tax from my self-employment tax. When I tried to reach out to Credit Karma tax to see if they were correct or if the IRS was correct (I am not a tax professional hence why I go through online tax prep) all the guy said was that they are not tax professionals so they couldn't help me. Very unprofessional way to handle business, especially since I'm reporting a problem, and instead of looking into it they brush it off to other companies to deal with. If you are not a tax professional, why are you offering tax prep? I 100% urge everyone to not use Credit Karma for their taxes. Use someone more reputable that will have someone to answer your questions if something turns up wrong.

Was quoted on Credit Karma a 2% refi loan for 48 Months with RATE GENIUS (HARD CREDIT PULL). Was called with 3 options and none were for the 2% and were actually a lot worse. I was upset due to the hard inquiry to REFI and the bait and switch tactics. This is not fair and buyers BEWARE that Credit Karma is promoting BAIT AND SWITCH LENDERS and are supposed to be advising you on making good decisions.

Been utilizing for the last 6mos or so watching my score, Went to apply for an auto loan and there's 50 points difference between what the bank said and the lower of the 2 scores that Credit Karma provides...both scores were thru Equifax. I can understand 5-10 points maybe, but 50, wth??

I've never had an experience such as this. We've always used TurboTax but went with Credit Karma to save the money this year. Totally a mess. They put my adoption tax credit carryforward on the wrong place on my 8839. Now we are stuck getting our return audited and in dire financial straits. All for saving a little money. Never again.

I decided to use the free tax prep for the obvious reason (FREE). At first everything went well. The first 2 W2 forms I put in were accepted correctly. And one after went into side business mode. I thought It would correct itself once I hit review or at least call for a do-over, Nope!!! Straight to the IRS went my filing. It was accepted but soon after the orange bar and amount disappeared and Tax topic #152 appeared. 3 Weeks later I received The dreaded 4464c form stating that my return has been pulled for review due to clerical errors and such and I would have to wait another 60 days to even contact them. The only difference between every return I ever filed was the fact that I used Credit Karma tax prep. Credit Karma: Credit score GOOD, Tax prep BAD!!!

I talked to two people not being able to submit my 1095-B form as the website only catered to 1085-A. I talked to Shunda first and all she kept say was "please wait while I look it up" but she said it like 4 consecutive times and different ways. It doesn't take 20 minutes to do so. Then she stopped answering. So I refreshed and started a new chat, this time with Melody, which she tried to help but didn't know how to help so she kept saying the same thing over and over to fill in the boxes for 1095-A. Which I said numerous times that I had a 1095-B form NOT a 1095-A form.

I like that the site gave me information about my credit score and causes of the scores. It is important to resolving issues with my credit and improving credit score. However, I am always hesitant to give personal info on websites regardless what they are for and the process was a bit longer which for a busy mother is not ever a positive thing and has to be balanced with the quality of information. But overall it was a good experience because of the complete information I obtained when using the website.

Do not use Credit Karma Free Tax software. I started my federal taxes with Credit Karma and a bug in the software did not allow my 1099 information to save properly and would not let me edit the information. It screwed my taxes up completely. I tried to contact Credit Karma for help and only got email responses, and the responses were not helpful and did nothing to address my problem. They clearly don’t listen and clearly don’t care. I will never use Credit Karma for taxes again and will discourage others from doing so. Avoid the headache and wasted time.

Credit Karma is very easy to navigate and it updates on its own. Self-explanatory and easy to follow steps to set up and get started. Also have a application that helps view score and score comes up automatically but once in a while it takes a minute to update when you log in to see your score. But they are a wonderful company to have your information through. Also lets you know if you have changes occur in your account through a email. Absolutely love using Credit Karma. It also does not cost anything to have it.

Credit Karma is accurate, free, very easy and enjoyable to use. It also offers several other features that I like. It has been a longish while since I visited Credit Karma and I would gladly use it again when I want to check my credit score...

It is free and the layout is very easy to understand and it is helpful when thinking of obtaining new credit. I have been able to view any recommendations as far as new credit cards and the scores are updated regularly. It has been useful to me when thinking of purchasing a car or any major expense as far as seeing my credit score and viewing options that I might select on the internet with rates based on this score. However, you have to go to some many applications to get information you need. It would be best if it stated what percent your balances counted, your accounts, etc.

It allows me to see my score but it also allows me to see all my accounts and a timeline of everything. It is awesome overall. I enjoy using the website. It seems very cool and easy to use. It has everything I need. It does have the credit features that I love and all of the great things that I intend to do all the time on the website. I have used other websites in the past but none come close to theirs.

I like that Credit Karma is completely free and I am able to look at my credit score for three reports. It also gives me all the information on debts or things that affect my score through email. They also send emails if something changes with your score or report. I like that it is an easy site to navigate. I am able to locate my information easily on the site and I like that they keep in contact with me through emails. I am very satisfied with this site.

It's a very helpful site. I find myself paying much closer attention to my credit because the ease of the site allows a quick "check in". I like the dashboard feature. It allows you to see the whole picture. The information provided is valuable- and accurate as I just went through a home mortgage and the scores were correct. I didn't pay close attention before this site. Now I do. But I find the "offers" to be misleading because opening credit lines doesn't necessarily help your credit. I do not like the monthly update email- most of the time there have been no changes. I would rather only know if a change is made.

Credit Karma is the best. It's free and you have an idea about your score so you can proceed on in life without walking in the blind when applying for credit and getting denied. You have an option to fix it beforehand. It's a great thing to know your credit scores. I feel safe when I'm on this site. Also you can get alerts about your report. Credit Karma makes my life more simple and at ease knowing that I can check my scores without paying for it. Continue to do a good job providing people what they need to know. However, it doesn't give all 3 credit bureau reports so you have to go find the other report elsewhere. This way you'll know what's going on with you and your life. Also when looking on other credit websites, gives your different scores. I need to know how accurate Credit Karma is compared to the other sites.

Beware of using Credit Karma Free Tax software. I filed my federal taxes and after filing some sort of bug in the software showed me the forms that were filed had completely different numbers and totals than was input. I tried to contact Credit Karma for help and you can only get responses in email, and the response was not helpful and not about the problem. Of course the IRS rejected my return so I’ve had to amend and use TurboTax to fix the issue. Still waiting on my return to be accepted and it’s been almost a month. Will never ever use credit karma for taxes again. You’d do yourself a favor by completely avoiding it.

The site was offered to me through my e-mail at no charge and has been a big help and a very informative tool for me to utilize - I'm glad I have the site to use!!! It's very accurate and up to date on a regular basis and gives me good tips on different options I can do to work on improving my credit score so I can have an idea where I stand with my current credit issues and what is an option for me to improve or work on repairing my credit as far as future financial decisions I may need to make in my life's everyday decision. I'm glad credit karma is there for me!!! I like the site completely! I like receiving frequent e-mails to remind me that my current credit score is readily available and currently up to date for me and can be viewed at any time!

Pretty damn worthless. I get e-mail notices from them about activity on my cards. The information on the site and the information in the e-mail isn't the same and I can't understand what is on the site. I would definitely make it easier to understand and make sure that all the facts on it didn’t contradict others. It is very confusing… gives me bits of information that are mutually exclusive of each other. I just look for outlandish info and read that credit score thingy.

So I filed through CK, but my return was declined. I understood why... I input the incorrect information from my 2016 return verification. No Biggie! I tried to enter the correct information, but the system would not take it. So sadly... I had to EMAIL customer not so service... this issue still has not been fixed. It's been almost a month. That is not my issue since I filed with H&R Block, got $250 more and my deposit is making its way into my account.

I like that the site is updated weekly and they also provide your approval chances for certain credit cards and loans. The site is very simple to use and user-friendly. They provide useful information regarding how to improve my score and what negatively impacts my score. But I don’t like that they do not use FICO scores. The scores they provide are lower than FICO scores in which are used by most lenders. I believe they use lower scores to help promote the products they offer. Overall I am very satisfied with the site.

I like that it tells you who checked on you as also gives you credit cards that will be good for you too. Also tells you where you have lived in the past, and provides you with recommendations that you can use or not use. This website is fantastic!!! It is so easy to use. You can check on anything you want to see. The website has my satisfaction since never costs me nothing to check my credit once a week. But I do not like what balances I have with different companies I deal with that have a balance on them!!

These people are dealing with my tax information. There is basically no customer service except for email; and it can take several days for them to get back to you. I could not access my past tax returns and I had no recourse from Credit Karma at all. I had to get a transcript directly from the IRS. This year I found a glitch in the informs in that I have more than one mortgage creditor -- can't find a way to add another FEIN and no way to contact Credit Karma except send an email. I think I'll skip Credit Karma's "free" tax filing system -- sorry, if you are dealing with my most important financial information and I can't get support or get in touch with you, you don't get to deal with my most important financial information anymore.

I like all the features on this site and will not look anyplace else for credit information. It is a fast and free to find out my credit score. Some others I don't trust. I will still go and check on Credit Karma at least 1 a year maybe two. There are so many places like this and I am glad I found this one. I find it very easy to use this site, it is fast keeping my information private. I am totally satisfied. I find it very useful to have a place like this to feel safe in seeking any information about my personal business.

I like that I am able to check my credit scores for free and as frequently as I wish. I also like that you can access credit reports from more than one credit reporting agency and see what's on your credit report and can dispute any inaccurate items on there. The website is very easy to use and all the information on there is accurate. I can access all the information I want in one place. It is organized by negatives items, inquiries, etc. Credit Karma also shows you recommendations that might be useful in helping to approve your credit. I am very satisfied.

Credit Karma has me with only 3 yrs. Ago credit which they show affects my credit. But I've been a member of Credit Karma since 2012? Since you can't call Credit Karma I called Transunion. They showed when I purchased my home clear back in 2006, and said only Credit Karma can fix the problem, but then they no longer are a source for credit disputes not even their own?

I like how Credit Karma gives suggestions on what steps I need to take to raise my score or close old accounts. It also shows you what companies are reporting against you and for how much. But I do not like how the score is not very accurate. It's actually an average of all the major credit scores which can be very misleading, especially when you are looking for financing or trying to apply for a new credit card. I was looking for a car and Credit Karma told me my score was 645 but when I went to buy a car they told me I had a 508. I was not approved for the car.

Credit Karma is easy and fast to navigate and complete. It is a lot better than having to go in person to request. There are also many other very helpful offers. The site provided extra information and several tips to help improve my credit score and reduce debt. But I dislike providing personal information. The telephone customer service was unhelpful, incompetent. The telephone staff seemed to be annoyed at the phone. Unwillingness of staff to help with solutions. But I like that it is of no cost to me, recommended by financial institutions. I was pretty much satisfied. I liked that it offered access to all three reporting companies and that I could view it online and have it mailed.

It’s free and gives you all the information you need. I also received helpful tips on how to improve my credit score. Everything was very easy to use and navigate. I used the free option which was very convenient. I felt comfortable providing my information in order to get my free credit report. I would recommend this site and would use this site again. But I would not pay for this type of service because there are so many sites you can obtain this information for free.

I used Credit Karma to do my 2017 taxes. The federal did fine although they take a picture of your w2 to enter did not work...anyway, I got the Federal done. All good. Come time to do my Wisconsin form. It tells me they are unable to do Wisconsin at this time, NOT GOOD! I emailed them and they don't know when it will be available. Had I known this I would not have used it.

Credit Karma has been good for tracking my credit score, so I figured why not give it a try this year for my taxes...wrong. When e-filing taxes you must submit your federal and state through the same company, and the only way to file them separately is to e-file your federal and mail your state. It would have been great to know that e-filing for state returns in Wisconsin and Michigan are not available through Credit Karma. Every other state can file both except for those two. After filing my federal they stated that State was not available for filing yet, which would have been nice to know beforehand.

I have had no debt and no open accounts for more than 13 months and yet I still have a credit score of 667. Before I paid off everything my credit score was 829. Fourteen months ago I paid everything off (everything means everything including my house). Paid off my wife's F350 and closed my two credit card accounts. Neither my wife nor I have any open accounts or debt. Over the following months my credit score dropped to 664 and last month it went up to 667. WTF? In my opinion if the process was legitimate my credit score would be zero!

Avoid CreditKarma tax prep service 2017 tax year. They have error in 2017 CA state return program. It is generating bogus excess CASDI refund and after numerous calls and wasted hours they have provided no help or resolution. My CA return has been rejected 2 times. Had to revert to other tax prep service to complete CA return. The customer service chat is a joke and staffed by people who have no idea what they are doing or talking about. On top of that they are rude and stupid.

I filed my federal and state taxes with Credit Karma tax 1/27/18. I submitted both returns the same day, my federal taxes was accepted 1/30/18 and I’ve received an email about it. My state return is pending several days after to find out I’ve been rejected. I didn’t receive an email from Credit Karma tax about my state rejection, I contacted the (FTB) The California Franchise Tax Board and indeed was rejected 2/18. I was told the date it happened and to go back to my return to correct the information and resubmit e-file.

I have done the 1040 EZ on Credit Karma for 2 years. In 2018 I again used them and they totally messed up my return. I reached out for technical support and got very vague reply that did not answer my question. It also took them 2 days to get back to me. Now I do not know what to do. I reached out again 02-09-18 at 6:30 a.m. EST, and they are supposed to have 24/7 expert tax advisors. Still no reply.

I have been using the Credit Karma app for a few months. It SEEMS very well put together, the updates are regular and my score - according to CK - has been going up, up UP! Now well into the high 600's. So I came across a review like the one I am now writing, claiming CK is way off, so I went to Experian.com and requested my official credit reports from them, TransUnion and Equifax. My scores turned out to be in the high 500's, a difference of over 100 points! Not sure what else to say. At worst they are deceptive, at best they are obviously really bad at what they do.

The old saying "you get what you pay for" never rang so true. I tried them on a whim for my 2016 taxes. My taxes are straightforward and I've been doing them myself my whole life. Fast forward to 2018 when I attempt to do my 2017 taxes and find I need the AGI figure from my 2016 taxes to E-file. Okay- no problem. I log in, click on My Tax Forms and...Nothing!!! Going on 1 hour with the chat guy, Frankie, who says they see I filed with them, but it must be a technical error and will have to get back to me by email. Filing with TurboTax this year, which has never screwed up.

Before I started using Credit Karma my score is worse now than it was then. Credit Karma recommends to apply for such cards based on your score and rating. Then doesn't approve it then it drops your score. I think is a terrible program and is really of no use. Better off not using it. Seems like a crop of cap and scam to me. Don't recommend. It's garbage. And it has the same reports inaccurate at that.

At first, I thought this was a good program to keep track of my credit score. The first year, my score was raising. Then after year one, I realized that every time I log into my account, my credit score lowers. I Do NOT recommend use of this program.

I've used CK free tax filing for the past 2 years. My returns are fairly simple, no need for itemized deductions any longer, except for Charitable donations. The previous 15 years I relied on TaxCut by H&R Block, which was not free (had to purchase the software, plus state filing charges) but as simple. I've not had any need to contact support, my taxes were filed and accepted in a reasonable amount of time. No receipt, product is free.

I submitted my 2017 forms 01/29/18. Within 24 hours I got a reject because I put my bank account and routing numbers in the wrong spot, easy fix. After another 24 hours same email of reject for same problem except instead of my taxes being around $8000 it said now $2000. I have 3 kids. That is impossible so I revised everything was correct. I always used Turbo and once TaxAct and before that use to go to J&H. Never had a problem because my taxes are pretty simple. No itemizing. I couldn't fix it or get help on fixing it. Now I'm sitting here with tax pending for a week Thanks to Credit Karma and yes I went somewhere else to get help but as long as they are pending with Credit Karma guess I gotta wait for the IRS to call me. Who knows because it might look like I'm trying some funny ** now. Thank Credit Karma for messing up my taxes...

I filed my taxes with CK on 01/18/18. I figured when they start accepting on the 29th mine would be done that day. I was also approved for the early bird advance. I also filed my boyfriend's on 01/27/18. His was accepted on the 29th with no problem. Here we are on 02/02/18 mine has still not been accepted. The tax chat is the worst ever. They know nothing. Just keeps telling me to basically wait. When I used Turbo Tax mine was submitted and accepted the same day. I'm not sure why it's taking so long for Credit Karma. At this point I'm frustrated because no one can tell me anything and everyone else I know that uses other companies like Turbo Tax and H&R Block have been accepted with no problems. Really thinking about filing with someone else. Just afraid that will push my wait time back even further. Very disappointed at this point.

The software is good and thorough; however, when you click file they tell you it is submitted. I have yet to see my taxes accepted by the IRS or State. I contacted them through chat (there is no live person to call). I received a generic response then disconnect. Very unhelpful. When you file electronically you are accepted within minutes to a few hours. This company is not a good way to go with filing your 2017 tax return. There is nobody to assist and it is slow. I am going to file and pay with a more legitimate tax website and let this one reject.

I had specifically filed on this website to get the early bird advance which I would not have filed had they not Prequalified me prior to filing (this is done after all your tax forms are filled out). Immediately after clicking the final button to file I received an email saying I cannot get the early bird advance. If they can send an email out almost immediately to deny it after pre-qualifying and filing, they should have denied it 2 minutes prior and I would've had the opportunity to look into an advance elsewhere. Feels like I was tricked to open the Amex/MetaBank prepaid card account (it's the only way to get early bird advance - my state refund is going to my other bank card).

I unfortunately filed my taxes with Credit Karma on 1/26... Here it is 1/31 and NOTHING. Absolutely nothing! It's going on a week and my return has still not been accepted... I contacted customer support only to be given responses that they clearly copy and pasted. The best part is they aren't accepting state returns! How's that for false advertising. Asked customer support if there's any time frame for when they will be and got the response “idk” then asked if this was an issue last year and got told “I’m not sure”! I really want to file a completely new return with TurboTax and let this get rejected because this is ridiculous. I will stick to what I know and that's TURBOTAX! You want your taxes done right? Go to TURBOTAX!!!

Don't waste your time at CK. Do all your work with the real reporting agencies. You can only write 3 sentences in the Dispute "additional comments" section and every time you make a dispute there is some "technical difficulty" BS or "error". Go to the real sites and do any fixing there.

I filed on the 25th. They told me to wait until the 29th. Today is the 30th and my return is still not accepted. Everyone left and right is getting accepted within hours. They got me with that advance thing I saw while checking my credit. I used TurboTax last few years never ever had to wait this long. Just to get accepted. I’m now doing considering doing it with TurboTax and let Credit Karma get rejected. Their customer service is nonexistent. They will respond but here is an answer I got from the chat support: "Hey, how are you doing/ IRS just opened up yesterday so anywhere from 1/29/2018 – 4/15/2018 your return will be accepted/rejected. You can find more information here **…" STAY AWAY! You have been warned.

Did not disclose prior to starting returns that they were not accepting state returns, you don't find out till you hit submit for federal. When contacted via live chat they just keep closing the chat window. No real answers to your questions. Called IRS and they have no record of my federal being filed. DO NOT USE THIS COMPANY! I learned the hard way.

I tried this free sw and found the functionality on the very low side. If you have a little more complex Tax like foreign income. Do not waste your time and use proven tax sw from Intuit or H&R Block. I think they introduced this sw to mine more data and sell it to user. They have to cover their costs. The statement from some financial news, that this will be a competitor in this market is just ridiculous. Since the tax code is so complex you certainly need a sw which will cover all situations. Otherwise the IRS will knock on your doors and you may pay hefty fines. So stay clear of this chunk.

This is the worse place I was ever on regarding checking credit scores. I go to the discover site and other sites my scores are 100 points higher. False advertising on tv. I would never use Credit Karma to check a credit report for a dog. They are worthless and very inaccurate. They need shutdown.

I have been striving to increase my credit scores, and Credit Karma all of a sudden lowers them for no reason, I have not done anything to lower my scores, they are not accurate and in my opinion they are piece of crap, maybe that's why they are free. I wouldn't recommend them to anyone. Also when you try and find out what happened to your scores and why they changed, you can't.

They said my credit score was 538, which isn't the greatest. When I went to try and get a car I knew I needed a cosigner, come to find out my score is 50 points off. Will never use Credit Karma again.

My credit score was 782 ("excellent") for a long time and suddenly dived to 698 on 12/10 (which Credit Karma is claiming is only "fair"). Interestingly enough, both Equifax and TransUnion scores are now the same, which I've never seen before. When I click for explanations, nothing comes up and all information is exactly as before the score plummet. When I contact them via email (the only contact option) I receive a form email with links explaining the reasons scores can change...received this twice now. As a veteran of the credit game for many decades, don't need a primer in Credit 101, just want an answer. They had plenty of my info before, why mum now? Don't like this and wonder if it's related to the current administration which seems to want us uninformed and pliable.

Do not EVER EVER EVER use these people to make a soft inquiry about being pre-approved for a credit card. The website says the pre-approval inquiry doesn't affect your credit rating. But as soon as I filled in the form and clicked Enter, I got a notification that my credit rating had dropped 58 POINTS!!! It will take me literally YEARS to work back up to the very good rating that I had.

I spent a year working on my credit using Credit Karma and Capital One’s CreditWise. I was excited to see all my hard work resulted in a score of 764 on credit karma. I went to buy a car and the dealership uses your FICO score (as do most lenders) NOT your vantage score. There was a difference of over 100 points. I was expecting to be approved with a great rate and instead I was declined. Totally embarrassing. Use your fico score instead of Credit Karma.

I originally found myself on Credit Karma's website after an unknown medical bill prevented me from getting approval on an apartment. I like that they provide you with credit ratings and report for free, provide suggestions on how to raise your credit score, and the website layout. Easy to read graphs of current credit standing and possible projections. But I dislike the amount of ads for credit cards and loans on the website, although I do understand this is to be expected when not paying for these type of services. Overall my experience has been positive.