If you don't have a clue about your credit report or how to begin improvements, this is a great place to begin. I've been able to resolve some things that were derogatory and get a couple new lines of credit through credit karma. My score has gone up more than 50 points this year. Considering that you can use this service for free, that's amazing.
Finally, there is a totally free credit monitoring agency which allows you to access your credit scores anytime and instantly. They make their money through advertising and offer tempting products ranging from low interest car and house loans to low interest rates on credit cards, some with an introductory rate of 0% interest for a year. Yes, you can migrate your other cards to this no interest 1 year card.
-You can consolidate all your cards on this site so that you can see balances, graphs, and other useful information.
-There are so many features to this free service that I cannot begin to tell you all of them. I urge you to at least visit the site and play around.
GREAT ARTICLE ABOUT IT
http://finance.fortune.cnn.com/2012/01/03/the-end-of-paid-credit-report-monitoring/
Video For Phone App:
http://lifehacker.com/*******/credit-karma-for-android-monitors-your-credit-for-free-shows-you-reports-anytime-anywhere
Have fun.
Just used their tax site to file my taxes and it was awesome! Simple, quick and easy and it truly was 100% free. My taxes are pretty easy to file, head of household and one W2 form, but it still takes me at least an hour to make sure I've put everything in correctly. With Credit Karma Tax, you may enter your information manually or use the walk through guide. Guess which one I picked, I was done in under 20 minutes! I can't wait til next year!
I have been using credit karma now for about 4 or 5 years. I love the new checking and savings accounts because it's nice to have an extra account to use for my spending money, and keep track of it easily. My 1st experience with the customer service department, was amazing!
They were polite, I could understand them, and they were fast, and I was not on hold for any time at all. The automated system was quick and easy to respond, and my problem was resolved quickly. I have nothing bad to say about credit karma! I love love, love them!,
Best part: it's FREE, AND EASY!
The best credit site I have seen. And now with both Equifax and Transunion scores updated weekly!
The site has phenomenal tools, graphs, sorting, and multiple views to provide an excellent picture of your credit profile.
The only downside is that the scores are not true FICO but they work well enough for relative comparisons and to get a pretty good idea of your score range.
They also have an alert system for credit report changes which seems to work well but I haven't had much activity so can't really speak to that.
The site is ad and referral supported so you will see many ads for credit related products, as well as links to apply for the same. But they are not that intrusive and do not detract much from the overall site experience.
When the tax preparation failed and I tried to remove it, there was no way to do it. After countless E-mails there seems to be no one there that has any clue as how to remove it. Serious concerns about security. Stay away. Many other web-sites are free. I used two others to verify my returns, both gave the same results.
This was an ok way to monitor credit score, however if you change phone numbers there's no way to access and customer service is an automated email So therefore it's worthless to me and I've looked elsewhere for monitoring
Credit Karma is in the business of selling and getting users to sign up for high interest credit cards and loans. This is how they get paid and make money! Do Not Use You're Credit Karma Credit Score to obtain any kind of credit. They are between 50 and 100 points higher than the 3 major credit bureaus. There scores are all B/S. You have been warned.
Adding a trade line to my report used credit karmas "very good" approval recommendation and was denied. Then Credit Karma sends me a email 2 hours later about how I should get a credit card and the first one was the same card I was denied for 2 hours prior. Credit Karma you're GARBAGE. Erase your app. This should be illegal. Actually I'm going to get the evidence I need. Thank you for prying on peoples hopes to better themselves deny them then ask them to try again within a movie time period.
I signed up for "free" Credit Karma several months ago.
My credit score was ok (over 700), but I had some bills to pay off in order to raise my score to about 800.
Since then, I paid down the balance on those bills, but Credit Karma has no change whatever in my credit score. Their info is nearly months out of date!
Now they try to sell me additional services, but their "free" services are consistently inaccurate, so how can I trust the reliability of their paid services.
Credit Karma? Unreliable, in my experience.
Overview
Credit Karma has a rating of 2.1 stars from 183 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers dissatisfied with Credit Karma most frequently mention customer service, tax return and hard inquiry. Credit Karma ranks 5th among Credit Reports sites.
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- Sitejabber’s sole mission is to increase online transparency for buyers and businesses
- Sitejabber has helped over 200M buyers make better purchasing decisions online
- Suspicious reviews are flagged by our algorithms, moderators, and community members