Credit Karma

I love being able to know my credit in seconds. On top of that, I love the fact that if my credit goes up or down it will tell me right away. I also find it nice that if a new account goes up, they let me know - it helps me keep track of all my credit cards and stuff. I definitely recommend using this site. My fiance even was fascinated by how fast I got my results and all the options the site has, it made him want to sign up and check his!

Credit karma wrongly reports the wrong score on purpose. How does mint and credit karma use transunion but have different scores. The one on mint can't be screen shot but it's 725... at least 10 point difference and their both wrong.

I signed up for Credit Karma free. I read most of the promotional blabber they provided and signed up at the end of TurboTax 2023. It sounded OK.
NO NO NO. IT IS NOT OK!
Within less than 24 hours I had received 2 or more unsolicted spams from credit card companies. That has been followed by daily spams from other companies I would have no interest in. That was not happening before I signed up for Credit Karma. I do not have hard evidence linking this sudden flood of SPAM to Credit Karma, but you be the judge.
I strongly recommend that you trust nothing about Credit Karma unless you have no regard for your privacy.
And since this was offered as a freebee after purchasing TurboTax 2023, I can find no proof of purchase to attach.

Credit Karma's tax filing unit was sold to Cash App. Cash App is a waste of time. I tried to download it by requesting a code and no code was ever sent. So, I'll be looking elsewhere for a site in which to do my taxes.

Credit Karma suggested credit card by Mission Bank, by which they said I had excellent chance to be approved for or Credit Karma would send me $50. Instead they ran hard inquiry, did not approve the card and my credit score dropped 32 points. I so debated not to apply, but instead I did. When Credit Karma guarantees you $50, figure you have a good chance to gain. Advice: Don't take their chance!

While credit karma does show you useful information like what credit factors are effecting your credit report it does not use an accuratesystem to calculate your score. When my score was below 600 it told me it was 660. When I worked all year at building my credit by paying off student loans and using a credit card wisely it showed that my credit score had gone down when in actuality it had increase by over 40 points. It's great to know what old loans and credit checks are still being reported to transunion and equifax but you should not by any means trust the score that they estimate for you. Go to your bank and get a real score. Not to mention they do not have a real customer service department. Only computerized responses via email. When I tried to contact them they sent the same exact reply to every one of my messages 6 times. I feel bad for anyone who actually tried to use them to file their taxes.

Credit Karma is ok but never listen to them when they say you've been pre approved or any chance of getting a card. There's underlying rules for every lender and theylle ruin your credit by getting you to apply for cards not meant for you.

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