Credit Karma

Credit Karma

  • Category: Finance
  • Release Date:
  • Current Version: 21.25
  • Adult Rating: 4+
  • Developer: Credit Karma, Inc.
  • Compatibility: Android
  • Links: Google Play Store
4.8507
4.8507
3,820,949 Ratings
$ 0

Credit Karma App

Making the most of your credit scores starts here. From spotting identity theft to getting personalized loan and credit card recommendations. Ready to make financial progress? • Check your free credit scores – Learn what affects your credit scores and how you can take control. • Credit Karma Money™ Spend – A whole new kind of checking experience with no hidden fees,* two-day Early Payday,** and a daily chance to win Instant Karma™ cash reimbursements for debit card purchases.*** • Credit Karma Money™ Save – We’re making it easy to save with no fees, a high-yield savings rate and a monthly chance to win a $20,000 Instant Karma™ cash boost when you make a deposit.**** • Credit Karma Tax® - Filing your 2020 state and federal tax returns is 100% free from start to finish, plus you’ll get our Maximum Refund Guarantee*****, Audit Defense****** and dedicated support. • Explore the Relief Roadmap - Connect with government stimulus programs, unemployment benefits, debt relief opportunities, loan options and more. • Free ID monitoring – We help you spot potential identity theft and give you tips for keeping your personal information safer. • Free credit monitoring – Get credit alerts when we see important changes happen to your Equifax or TransUnion credit reports. • Personalized Approval Odds – See which credit card and personal loan offers you’re more likely to get before applying. • Credit card choices – Browse great credit card offers based on your unique credit profile. • All things auto – Tune up your auto loan, save on insurance, see open recalls and find vehicle records. • Home sweet home – Calculate how much home you can afford, see personalized home loan offers and get a mortgage pre-qualification letter. • Personal loan shopping – Whether you want to refinance credit card debt or borrow for an emergency, we’ll show you personalized offers based on your credit profile. • Search unclaimed money – See if any of the more than $40 billion in unclaimed money has your name on it. Join more than 100 million members and get all these features, and more, for free. Download the Credit Karma app now. DISCLAIMERS Banking services provided by MVB Bank, Inc., Member FDIC. *Third-party fees may apply. **Compared to standard electronic deposit. Early access is dependent on timing of payor’s submission. ***NO PURCHASE NECESSARY. For Rules visit https://www.creditkarma.com/lp/sweepstakesrules-checking#instant ****NO PURCHASE NECESSARY. For Rules visit https://www.creditkarma.com/lp/sweepstakesrules-checking#savings-instant *****If you receive a larger federal tax refund amount or owe less in federal taxes using the same Tax Return Information when filing an amended return through another online tax preparation service, then you may be eligible to receive the difference in the refund or tax amount owed up to $100 (minimum $25) in the form of a gift card from Credit Karma Tax®. For details and eligibility, see https://www.creditkarma.com/tax/programterms#1. ******For details and eligibility, see https://www.creditkarma.com/lp/audit-defense-terms/. Exclusions apply. $2781 provided in the Credit Karma Tax phone screen image is the average 2018 Federal tax refund based on data provided by the IRS. $2973 is the average 2018 State tax refund in CA based on data provided by the CA Department of Revenue. Mortgage products and services offered through Credit Karma Mortgage, Inc. NMLS ID# 1588622 | Read licenses at https://www.creditkarma.com/about/mortgage-licenses. Loan services offered through Credit Karma Offers, Inc., NMLS ID# 1628077 | Read licenses at https://www.creditkarma.com/about/loan-licenses | California loans arranged pursuant to a California Financing Law license. Insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748).

Credit Karma app screenshots

Credit Karma app reviews

  • Review 5/5

    By marcusjgs
    Accurate and up to date information. Thank you.
  • Self 5/5

    By roni l s
    Just wish it was updated at least no longer than a week after the payment was received
  • I had my doubts 5/5

    By iamdenislara
    I used Credit Karma since 2017! I freaking love it! I can see exactly where my credit needs work. I can also see which are if my credit I have to stop worrying about because I can’t accelerate time. I think is an amazing tool. I was even able to open a credit card, use it to pay off another one that had 23% interest rate. Before doing that I was able to see the impact in my credit. Being able to calculate things like that was super impressive. Credit Karma turned the black magic behind credit scoring and gave me so much insight. You have to get this app!!!
  • Great App 5/5

    By DolfanRick
    It’s great to have a pretty good idea about your credit score!
  • Credit reporting 1/5

    By Landafun
    We use this account for a roofing company material and expenses only and pay off the balance nearly every month, only exception is when a customer may be slow paying. Why does my score drop by 52 one month and then increase only one or two points after paying the balance within the next month. Seems very one sided and controlling. You may reach me at +5745280906 but I doubt if I’ll hear from anyone. I own my home and all vehicles and owe only credit cards which are paid in full every month. Thank you.
  • So grateful 5/5

    By rcvillan
    Totally enjoy how easy the app is to navigate Enjoy the pointers to improve as well
  • Equifax 1/5

    By Jo consumer
    Equifax score occasionally drops by 20 for no apparent reason. Credit Karma doesn’t repair this glitch.
  • I don’t understand 1/5

    By amanda lenti
    I don’t understand how my credit score was at 577. And I had open accounts in medical bills I owed an account open that I owed and student loans I owed it said and once I paid all those loans off now my credit says zero and now it really says N/A. So I have no credit now that I have zero accounts open and I owe absolutely no one. How do I get my credit score back I don’t understand?
  • The app is flawed & not Accurately updated 1/5

    By ChrisMakeBeatz
    I tried to dispute a collection that’s been paid off for over a month and won’t even allow me to dispute it. It keep going back to the dispute option and then the name of the collection in rotation.
  • They are actually legit 5/5

    By dymonn
    Recently got my credit report from Transunion and equivalent and they score was exactly right
  • More details! 4/5

    By lupoman
    Instead of saying “a derogatory remark has fallen off your credit report”. How about saying “your Macy’s card which was affecting your credit report in a negative way has fallen off due to time.” Or something to that effect I have no idea what it’s talking about most of the time as far as which thing was negative and which wasn’t.
  • Credit Awareness 5/5

    By Dustin Foust
    Excellent app to track credit history
  • Great 5/5

    By Wp50
    This app is soo great, I loved. It let Me keep my credit in the loop;).
  • Data is not accurate 1/5

    By el meurto
    I
  • very few 5/5

    By HomelessB4
    i trust in these financial advisors. How many places can you go where the people try to help you and improve bad financial situations without asking for a dime ! Very Few !
  • Thank you! 4/5

    By Peaceisgood4me
    Thank you so much, you help me to know when I need to work harder on my credit and when I am improving....Love the updates. Advice on how to improve is appreciated. T.
  • It’s free and current 5/5

    By Skidj56
    The credit bureaus will charge you, even through your bank they charge a small fee, even my credit union will do it for a smaller fee. Credit Karma does send notices of credit cards that you can apply for (never would since they’d charge over 10 or 20% interest if you don’t pay them off each month) Get with a credit union you can be in the single digit interest wise and no fee. But, credit karma needs to make money some how. So that’s fine. Again it is a great free app to track your score, existing accounts and will notify you if a new account gets opened. So if you didn’t open a new account you’d know before the first bill was due. 👍
  • Best app 5/5

    By EthioAbex
    Awesome
  • Credit carmaker has never failed me 5/5

    By lelaslove2018
    I love credit Karma it’s having a good friend who has your back
  • Easy to Use, Trustworthy Bookkeeper 5/5

    By iAmSarahW
    Easy to use, keeps me on track with up-to-date details of all my accounts in one place. It knows everything and that’s perfectly okay! Like having your own Bookkeeper, saving me time to do other things
  • Scores 1/5

    By Dirtsource
    Your scores are significantly lower (65) points lower than the other sites I subscribe to.
  • Boost scores quickly 5/5

    By Swan-Chris
    My scores shoot up from 50 to even 100 points with the simple credit karma tricks and tips. Read the valued information they post daily and watch good karma boost your scores.
  • Less solicitation, more consumer help 2/5

    By Jonnygobig
    Ok, great to have day to day visibility and recommendations but I can see comments on accounts and all I get is solicitations from some of the more predatory personal and low end card companies. Lets not push people into these hands, support them to build credit to reasonable offerings please.
  • Love Credit Karma 5/5

    By Dorian from Idyllwild
    Because of credit karma, I had the power to change my credit score and now I’m able to buy a house. I appreciate them so much!
  • Great! 5/5

    By MHG6249
    Good app good system. If you like (or need) currency of information this is for you.
  • Up to the minute! 5/5

    By LakeLady#1
    I love having the ability to look at my credit info in the spot!! Thank You Credit Karma, Great Jib!!
  • Credit score 5/5

    By nickie2021/22
    Although your score may not be the same as when you pull your credit report it’s still a good tool to help you understand how your points were calculated and what you need to do to increase your credit score.
  • Credit karma 5/5

    By garvulcan
    Thanks so much for your help. An keeping me straight. Love this app.
  • Credit Karma 4/5

    By Nick Name Issue
    I find this app very useful. I truly enjoy keeping up with my score. However, when my credit decreases, it would be nice to get better details about fluctuating accounts.
  • Unsatisfactory 1/5

    By Watkins2U
    Been waiting for a update on my scores and it hasn’t changed yet. Will not allow you to dispute the matter either. Ugh !
  • Doesn’t make sense 3/5

    By TSMesser1975
    I have been very seriously working on my credit scores over the past year. I went from high five hundred/low six hundred range to 700+… my last update showed that I am only using 6% of my available credit and my transunion score dropped 21 points down to 714. It’s so frustrating and it doesn’t make sense to me. We are in the house hunting process and the CK scores are WAY OFF from the FICO scores that home lenders use.
  • Credit score changes 3/5

    By Phdyer62
    Information not in real time sync. Too long to update reports and credit scores
  • Predatory Ads Defeat the Purpose 3/5

    By Rmw329
    The app is a great way to track your credit, but when some of the ads are to get a consolidated loan with 17.9% APR, it feels a little predatory, trying to take advantage of people who may not be financially literate under the guise of being a helpful tool.
  • It’s an idea but SLOW to update 1/5

    By consumer rights advocate
    Also Equidax on here is a joke. Filed a dispute and they rejected it. Dispute was a credit card on file that isn’t even mine.
  • I’m in love with this app. This is the future of financial awareness. 5/5

    By Tolu RN
    10/10
  • Done with them. 2/5

    By randyb1234567
    They deactivated my account for no reason. I’m done with them.
  • Love it 5/5

    By precoous
    Very helpful always giving me a heads up on my activities
  • Incorrect information 1/5

    By justaintright
    Way too much incorrect payments info on credit cards and car payment
  • Easy to use and helpful! Helps me make better spending habit choices 5/5

    By kimmi kay
    This app is easy to use! It helps me think about my spend
  • It works! 5/5

    By Meshkamopp
    Used to tips on credit karma app to raise my credit score by 80 pts in 2 months!! Thank you Credit Karma!
  • Two words: “iPad App!” 5/5

    By True_Gauntlets
    Title says it all! Most banking apps I’ve seen have an iPad variant! What if I didn’t have this phone? But overall, I haven’t had any problems as of yet pertaining to this app! But anyways, if you haven’t gotten started on an iPad app yet, you guys should! Just sayin’!
  • Notifications 5/5

    By Biker_80
    I love that credit karma notifies me right when there is a hard credit hit to my credit report. They also notify me when there is any suspicious activity or any activity for that mater. I have used this app to help guide me to building my credit back up. Lots of good info on their app. I still use them just as a reference and verify their info and reports with other sources to make sure it’s accurate. No sense in believing just one source. My credit seems to be what make my life go smoothly these days. 👍
  • No response 1/5

    By showboat55SS
    I have tried contacting credit karma several times in order to get a question answered, concerning my credit score. I have not received a satisfactory response from them. In addition trying to find anyone to even send information to or get a response from was almost impossible.I can no longer in good conscience recommend the use of this app. Very poor response from staff.
  • Great 5/5

    By Bj 40
    Great app, awesome for be on date with credit reports
  • Often the score changes are insane 2/5

    By Mr Dave929
    I started using CK a few years ago, and it made me aware of a few aspects of credit tracking I previously did not know about. What I find laughable, is how my score will occasionally drop for no valid reason whatsoever. As an example, on June 10, 2021 my score dropped 7 points on TransUnion. When I select TransUnion to see why, and then “See What Changed”, it shows a balance decrease on two accounts I just paid off. I make as many as 6 or 7 payments a month on my credit cards keeping my balances typically less than 1% usage. I haven’t paid any interest on any credit cards or charge accounts in over 25 years, because it’s a huge waste of money. If I can’t afford to pay a charge off immediately, I won’t make it. My wife’s score is currently higher than mine, even though all our accounts are joint use. Maybe it’s time for a Vantage 4.0 to fix the major inconsistencies.
  • Credit update 1/5

    By richie_viii
    Credit is not accurate numbers
  • Censored review 1/5

    By Victim john doe
    I wrote a review which was censored by credit karma to appease capital one and now I believe they are working hand in hand to practice predatory lending practices. I lost my job due to the pandemic and capital one refused to work with me to get my account into good standing. They have left me no choice but to file bankruptcy at this time.
  • Good website 5/5

    By laknsinz s
    I like to check on my credit score very often and it is always accurate
  • Customer service 1/5

    By mzphick46
    It is bad enough to work hard and pay all your bills but then find out you update is behind for almost a month not helping me at all

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