Yes it is totally free but totally inaccurate. Scores are 30% higher than the scores when you print your credit report from experian, trans union and equity and a mortgage company will not accept credit karma over them.
I check my credit score and there were lots of hard inquires that I am not familiar with. I called all these companies and they told me Credit Karma has been giving false info on people's credit report, call CK to dispute it, but There is no way for me to contact them except e-mail. I want to speak to a live person please! I am very upset!
This used to be a reliable, useful site. Now that it is Intuit Credit Karma, it is nothing but BAD Karma. Just to log in is hit or miss.I used to be able to log in with my saved password without any problem. Now it works sometime and other times it doesn't. It doesn't make sense. They are making changes quite often which are no good if the site is unreliable. I tried to chat about an issue but would need to give all of personal information.short of social security number. Once I get back in again, I will definitely cancel my account.
My advice is stay away. There are other ways to check your credit for free - online banking and many credit cards.
I have contacted credit karma several times they sent an email to a friend of mine's email address letting him know that he had paid off a loan. When he clicked on the link that was sent to him it was all of my credit information. This is not the first time this has happened see photo attached. Instead of credit karma doing the right thing by a customer, they deactivated my account with no explanation as to who else has seen my credit history. Horrible customer service and recipe for disaster
Over the last 10 years we've noticed Credit Karma docks credit ratings in double digit increments then very, very slowly builds them back up in single digit increments even when you consistently pay credit cards off in full each & every month. They don't check balances frequently or consistently like Experian. It appears Credit Karma works to keep credit ratings low so lenders can charge customers more.
Note: Experian doesn't dock credit as severely as Credit Karma.
No longer up to date information.
"Oops! Something went wrong"
Experian & Equifax information is more damaging than helpful.
Not every single credit card payment information has been updated; yet the purchases/expenses have. I feel it is intentional to show more than 29% credit usage and thus lower your credit score!
Transunion-try to dispute online and it tells you an error can occurred to call. Transunion wants to charge a membership fee.
Experian-you can still see what they have listed as your credit score for free. They also provide what Equifax's and Transunion's have as a credit score for you.
The only free credit check I've ever seen online. They say that it's just so because the score is estimated rather than a raw credit score, but they let you know about where you stand and how to improve your standing, as well as projecting consequences for missed payments and the like. Pretty good for the average joe who's making some attempt at staying on top of his score.
Credit Karma was on top of things, the alerts notified me someone was making numerous credit inquiries back to back in 4 days. I was traumatized, after I collected my self I went into action obtaining free credit reports and there were 9 fraudulent inquiries pulling my credit score down. It was necessary to place a freeze on all three credit bureaus and fraud alerts to prevent devastating possible fraud. Thank you so very much for monitoring and notifying. Also there is plentiful information educating one on what to do in the case of identity theft, help is definitely provided in detail. I feel you are as my guardian angels. Love and Kisses
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.
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!
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.