Credit Karma

It's okay when you are first building credit. But once you get up into a high good or excellent rating be careful. I have a card on here with a balance that I paid off and closed out 3 years ago. Also I worked very hard disbuting 2 bogus medical bills(yes it can happen), and when they came off, not a budge in my score. Maybey it's because because it's medical, I don't know. Do NOT go by these scores or any the info in them to purchase a car or DEFINITELY not a mortgage because if it's wrong, BAM... you are stuck with a hard inquiry.

Two months in a row, CK dropped my Equifax score. 1st... 121 2nd 54... For paying my balance dowN to ZERO. Called Equifax both times and, while they couldn't tell me my score... they assured me the numbers were inaccurate and not to worry about CK's reporting.

I forgot my password, so I tried to reset it. But, they never sent the instructions to my email... After trying multiple times. So I tried making a new account, but it wouldn't let me do it using the same email. In stead it sent me back to reset my password AGAIN! And again it didn't work.
So then I tried to contact them... Put in all the information, and explained the situation. But after I finished... the submit button didn't work!
This site is annoying, and doesn't work! Especially if you have a problem! I'll never use it again!

Credit Karma recommended Springlight Financial to me. I had the honor of getting assisted by Rachel. Ms. Rachel was calm, assuring, kind and knowledgeable. She nurtured me through the whole process. I had a problem getting my documents uploading and she stuck by me step by step until the completion of the problem. She assured me that I was a part of the Springlight Financial Family.

Thanks again Credit Karma for putting me with the right lender. They have helped me to bring up my credit score from 420 to the 600's, and have intervened for me.

I had issues with the NYS tax return. The software forced me to take a college tuition credit, rather than allowing me a college tuition deduction - which was better for me. I sent several inquiries and received emails saying they were working on it, but they never got back to me after two weeks! They have no telephone number which is infuriating. I ended up doing the state return myself and sending it in- I wish I had just done it myself to begin with. I thought the federal return was OK, BUT then realized that the software had put my NY state solar panel carryover credit onto my federal return rather than the state return, so I have to file an amended 2016 federal return! I am very sorry that I used this service.

Credit Karma is ok if your watching your credit report, comparing credit cards. The scores are based on the Vantage Score model and not the Fico model. Not every bodies scores are the same, but my Fico score and my Vantage Score are about 10pts apart. They tell you to have a low utilization, but when you do your credit score goes down on their site, but your fico score doesn't budge when the two models are compared. Credit Karma is free and make money off of you by selling you loans and credit cards with a high interest rate! The people are really rude in the community, they give advice that would affect your score and possibly your life.

Good Luck!

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