Fantastic app 5/5
I recently learned that my credit scores went up 22 points after paying off a big debt. Now my scores are excellent! I even got a notification of the change! It’s an awesome app and really helps you keep an eye on your credit and what affects it.
Good but Not Great 4/5
By Mick Gator Fan
I assume Credit Karma reports what Transunion and Equifax feed them. Therein lies the problem.
Equifax originally showed a bunch of old accounts with bogus balances. I opened a dispute with Equifax, filled out the forms, and was dismayed to see that Equifax has now completely removed all the open accounts, and shows the closed accounts as being open with 0 balance. Ridiculous.
Transunion, on the other hand, reports the balance on my main AmEx card even though that card has no upper credit limit and I pay it in full monthly. In other words, a balance spike on that card will lower my overall score. Luckily it's still in the "Excellent" range, but the Transunion reporting methodology is very misleading.
I give Credit Karma 4 stars for being diligent about passing garbage along. It is useful only to verify account balances that Transunion shows.
Credit Karma should replace Equifax with the more reliable Experian; then they would deserve 5 stars.
Can’t access 1/5
I try to sign in and it keeps telling me I need a more secure line. I only have one line and it cannot get any more secure.
Useful app for monitoring credit 5/5
My identity was stolen in the past year and the issue seems to have mostly been cleared up.
However I now regularly need a way to check if anyone other than myself tries to run a credit inquiry, and credit Karma offers an easy way to do this since the app shows full credit reports and has a section to view inquiries.
One suggestion I have for Credit Karma is that I would like to add the ability to nickname accounts and inquiries.
For example it would be easier for me to nickname an inquiry called "factual data" into something like "Mortgage application inquiry with PNC bank"
Overall though it's a great tool, and importantly, easy to use.
Great app! 4/5
Love the app... although I wish there was information on what to do about suspicious hard inquiries.... what do you do when you see that?
Good Estimate of my score 5/5
My Credit Score went from mid 6s to high 7s !! I use credit karma to give me a good solid ball park of my scores ! Checking for status of my footnote style of my report without being overwhelm !! Thank You Teebo1
I love it
In trouble 4/5
CK was a great choice 5/5
I really like CreditKarma. I would see commercials for this app occasionally on TV, but everyone has always told me if you check your credit score, the score drops automatically. Having that said I didn't join for quite some time. One day I decided to give it a shot because they advertise it's for free and it won't hurt your score, so I looked into the website more and I am very glad I did. The website explained everything I wanted to know prior to signing up. I'm really glad I joined!
This is app has helped me stay on track with my credit and always gives good tips on raising my score.
Credit Karma 5/5
By Ladybug Mimi🐞
Luv this app. Great way to keep track of your credit for free and try to tweak it. Great for kids to learn financial independence too. Wish I had this when I was 18.
When it works.... 2/5
Like the headline says when it works... it’s great. I haven’t been able to sign in with the app for the last two months. Will not take my thumb print or passcode. Disappointing and beyond frustrating
Nice to have a quick reference and appreciate the suggestions
This is a great tool to review credit accounts.
Easy to use, good tool to have 5/5
I check my credit score weekly, track it's progress, and use CK to make decisions about when to use my credit card, how much to spend, etc. Great tool for a young person who is building credit.
Awesome service, and free 5/5
Thanks for such an awesome service, and for making it free.
By Tomy 5566
Good job for the app great app for all
Not accurate and WAY off 1/5
I logged on to this app to view my credit report and it was good. Then I went to buy a truck and the dealership came back with my Equifax credit score number. IT WAS MUCH LOWER THAN THE CREDIT SCORE SAID ON THE APP!!! OVER 140 POINTS OFF!!! This app is a complete waste of time. Hey Credit Karma, if your gonna have an app, at least TRY and make an effort to be somewhat accurate. If I could give this app a zero star, I would.
Great app 5/5
Does what it says, and I am very appreciative of what they do . No problems great support
Essential app! 5/5
Must have app for your device! Being able to check my credit score whenever I want is invaluable. Thank you so much CK!! It’s not only completely free but they also have implemented features to help you improve your score. 100% recommend downloading this app.
User Friendly 5/5
Easy to use. Easy to understand and very informative. Especially love all the recommendations it has for new comers or new card holders.
Very user friendly app 5/5
Great tool to have in your fingertips. Very happy with service so far.
Everything about credit karma is perfect, but your “APP” 1/5
The “APP” will never open, always server down, please do something about it, is not everyone who wants to check online. Please fix the “App”
Love it 5/5
Awsome tool to monitor credit report progress
What happens 1/5
By la_chiikii_chula <3
After put my zip, I can’t do anything
Life Saver. Literally. 5/5
I didn’t know one of my old medical bills was in collection until I happen to giver credit karma a try seeing it on a commercial. I was surprised but paid it immediately and it’s no longer a mark on my credit. Love you guys.
A must have! I would be lost without this app.
Good app. 5/5
I haven't been using it long but so far it's a very good app. Easy to use but still learning. I'm glad I tried it out.
Very convenient to keep updated on your credit score. Easy to use.
Same exact update every time 👎🏻
I can't believe I get all of the services Credit Karma (CK) offers. I'm really annal
about my finances and CK keeps me alert to every thing, including who's checking my credit, who has the best loans and credit cards. I use CK exclusively!!
Útil e Inmediato. 5/5
Actualizar de manera segura la información crediticia es lo más destacado de Credit Karma. Gracias.
Love it 5/5
Can’t log in no longer 1/5
Keep getting unable to reach server error every time.
mr diaz 5/5
By mr diax
i m very. happy , I make big mistake. coosingner. for my friend. broken my credic very bad . i monitoring from here
Credit karma 5/5
By Brook the great
Great app.... saves you the time and money of having to go to a credit debt professional when you have everything you need at your fingertips
Love at first sight 5/5
I am in love with this app!!!!
Decent App 3/5
I really like using CK to review my accounts, credit utilization, payment history, and suggested ways to increase my score. It has been a huge help in those areas and it's extremely convenient to have the ability to view that information when I need to.
But I have has some issues when it comes to the credit scores themselves. The scores are extremely inconsistent and change dramatically after each weekly update.
For instance, my bank pulled my credit for a vehicle refinancing application. The next weekly update my CK scores dropped over 100 points each. I use only 9% of my available credit, no deregetory marks or late payments. So, it was hard to believe my credit would drop 100+ points within a 3-4 day period just for a hard inquiry. The dramatic drops in the credit scores have happened several times in the 6 weeks I've had the app. Additionally, the loan officer st my bank suggested that I should always subtract 20-30 points from my CK scores, as that seems to be more accurate and it's what they do when customers approach them about using CK. So, this shows me that I'm not all together wrong about my CK scores.
All in all, as I mentioned above, CK is great to review your credit information but I would not trust the scores 100%.
The app is a solid 3 stars in my opinion.
That thing call CK is awesome. 5/5
It gives the confidence to stay on top of my credit daily.
Credit karma is awesome.
Perfect and easy way to know just where I stand in the Credit world.
By Por gustavo
Es la primera ves que veo este app y me a dado tanta información que ni yo misma sabía
Very easy to use 5/5
Very ease to use. Highly recommended.
Free and easy, what's not to like!! 5/5
I rarely use apps like these but this one is so simple it's a no brainer!
Awesome but still could use a little work 4/5
As long as I have been using it’s been great it helped me get approved for my first CC build up my credit over 100 points in a year! But I will have to say it does not update some of the credit cards as frequent as other. For instance it shows I have over 500 in my CC accounts when I paid them off about a week ago. It hasn’t updated them in a month and they been getting paid down little by little until about a week ago I paid them off but still shows over 500 open on my CC which is incorrect!
Just a little feedback on how to better this app! 😊
New User 5/5
Love it so far, and very easy to navigate!
Great App 5/5
Keeps you updated on your credit score. Notifies you of any changes in your credit history. Easily accessible, overall a great tool to keep you abreast of your credit history. I'm very great full for this app.
Still learning 5/5
Growing up I was not educated about how important your credit is!! Finding and using this app has given me an opportunity to learn about credit and has many tools to help me be credit wise! Thanks guys!
Credit Karma is indispensable! 5/5
This app is free—truly free!—and gives you an accurate read on your credit score and reports from two of the three credit bureaus, as well as useful tips to improve your score. I was skeptical, but more than a year in, I can say that Credit Karma has served me well.