website thubmnail of Credit Karma
How would you rate Credit Karma?
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California
1 review
4 helpful votes
Follow Jorge S.
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I have been using this Credit Karma website for quite some time.
It wasn't until they lowered my credit score 9 points based on information they supposedly received from Trans Union which also changed all my credit limits of my 11 credit cards to zero. I do not mind the credit score but the false information that my credit limits were reduced to zero made it hard for me to tolerate.
I contacted 1 or 2 of my credit card issuers and they told me that my credit limits were OK and that I was in very good standing with them.
I contacted Credit Karma and they said that their records were based on what Trans Union gives them and told me to contact Trans Union which I did.
Trans Union was very helpful and they showed that all my credit card limits were OK and in good standing and told me to contact Credit Karma. Sounds like a runaround right?
So this is why I am writing this.

Date of experience: February 22, 2013
Virginia
12 reviews
20 helpful votes
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Seems sketchy
January 30, 2020

I tried their free e-file service. They asked 3 identity questions. I answered correctly. Then they claimed they couldn't verify my identity. Seemed odd. I should've checked BBB first. Read they had filed a complaint against CK.

Date of experience: January 30, 2020
Michigan
1 review
0 helpful votes
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Deposited money in savings on Friday. It's now Thursday night and I still can't withdraw it. The website says 2-3 business days. I'm going on 5. DO NOT USE THE SAVINGS ACCOUNT. I've emailed and called and all I got was excuses. The guy on the call told me it was because the holiday (father's day) which was on a Sunday... This is ridiculous and I used to love Credit Karma.

Date of experience: June 23, 2022
Nevada
1 review
0 helpful votes
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Bitcoin Recovery agent
August 30, 2022

I miss-wrote my BIP 38 password 2 years ago. I tried many times to find it out but no success so I thought it was impossible to get the funds back from my paper wallet. Few weeks ago when bitcoin reached its ATH, I decided to contact Jim at Recovercoin AT rescueteam DOT com'. After 9 days he sent me back the correct password. He's really good at password recovery

Date of experience: August 29, 2022
Georgia
1 review
0 helpful votes
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Credit Help
January 14, 2022

I'm trying to help my son repair his credit. A few years ago he helped us with some stuff by putting things in his name and unfortunately due to some serious financial issues, we were not able to stay afloat and therefore his credit was damaged which I have felt guilty about all this time. We are now in a position to fix things and we reached out to 'Fixmycredit at writeme d0t com' through a friend. Within few weeks they worked on his credit, scores improved to high 700s from 593 and all debts was cleared off from his report
Great experience.

Date of experience: January 14, 2022
New York
2 reviews
4 helpful votes
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Credit Karma has of late not allowed me to log in. I keep getting the Oops message and understand this is due to my use of VPN. I use VPN constantly to keep everything safe and am willing to pay for it. If Credit Karma, unlike my bank, credit card companies, savings accounts, retirement account, will not allow for my use of VPN, then I refuse to use it. I have turned to Credit Sesame instead. Credit Karma get with the times and don't use such an outdated tech that punishes VPN use.

Date of experience: May 12, 2020
Texas
1 review
4 helpful votes
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Bait & Switch
July 26, 2018

Last week on credit karma I checked my score. My credit score is 748. I have a $6800 car loan with CapOne/ $179 monthly payment 4.37% interest with 36 months or so left on the loan. Credit Karma / AutoPay teaser states 2.49% 60 months new payment of$124 savings $660 a year! Sounds like a great deal, so I apply. Once information given to autopay, rate is switched to 5.99% with a new payment of $194! WOW! Thanks for the $15 dollar increase in monthly payment offer AP... Where do I sign up?! NOOOT! When you "customize" these options, to get a $127 monthly payment, interest goes to 6.74%! That's $2,347 INTEREST ADDDED on top of the $6800 loan! So much for $660 a year savings... and now I'll have a ping for 2 years for a credit inquiry. Not happy with the bait & switch Credit Karma. :( I posted this exact review on credit karma, not anonymous, and 5 days later,,, it still hasn't been posted. Apparently CreditKarma doesn't want the truth to be told either, that's why I sought this site out.

Date of experience: July 26, 2018
TW
30 reviews
235 helpful votes
Follow Chuck C.
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Gives you access to you credit score (TransUnion credit score, not the FICO credit score) for absolutely free. Unlike other credit score or credit report offers which only offer a free trial (and are often an absolute pain to cancel), Credit Karma does not even require a credit card to sign up. Could be an important tool to use throughout the year in addition to getting your free credit report once a year with AnnualCreditReport.com (the real US government site).

Date of experience: July 11, 2010
Nevada
3 reviews
10 helpful votes
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Un-reliable scores
January 22, 2016

In my first review I stated that I was in the market for a new car and that I hoped the dealer wouldn't use creditkarma's scores. Well, I bought a new car and the interest rate was higher than I expected due to the low credit score I was given. Not sure if it was CreditKarma or not, but my scores from other sources was in the 730 to 750. My credit score for the car purchase was around 680. My score is now 669 according to creditkarma, but my score is in the low 700's from other sources. I sure don't understand how these scores are arrived at and why there is such a difference.

Date of experience: January 22, 2016
California
2 reviews
0 helpful votes
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Recovery
November 5, 2021

To be very honest, I had the worst experiences with false investment firms as an Amateur but couldn't fold my hands and do nothing while these scammers take us for fools which I'm not. So, I had no choice but to make a report to Michealmurphy at repairman dot com assigned by the Regulatory Agency who assisted with my case without any hassle. It was a bad experience at first, but it's good it went that way because I know better now, was depressed when I thought I lost it all but I'm so happy Michael Murphy helped me get a refund and also made me improve my trading ability. I'm back to my profit-making days and you can start winning with Michael just message +1 *******217 for further enquiries.

Date of experience: November 4, 2021

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.

service
49
value
52
shipping
4
returns
5
quality
49