Credit Karma

in Credit Monitoring Tools from Credit Karma

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Credit Karma


in Credit Monitoring Tools from Credit Karma

SuperMoney Net Recommendation Score +38% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Mostly recommended

7 users recommend
4 users are unsure
2 users don't recommend
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Community Rating Mostly recommended
Max Monthly Fee $0
Identity Theft Insurance? N/A
Triple Bureau Credit Monitoring? N/A
Number of Reviews 13

Credit Karma Review

What is Credit Karma?

Credit Karma is based in San Francisco, CA and was founded in 2008. Credit monitoring is the process of reviewing your credit reports for accuracy and changes that may be caused by fraudulent activity. You can monitor your credit by yourself or by using a credit monitoring service, such as Credit Karma.

How much is Credit Karma?

No, Credit Karma doesn't charge a monthly fee.

Does Credit Karma offer free credit monitoring services?

Yes, Credit Karma offers free credit monitoring services.

Does Credit Karma offer a free trial?

No, Credit Karma does not offer a free trial. However, that's not a problem because it already provides free credit monitoring services.

How accurate is Credit Karma?

Credit Karma is as accurate as the information on your credit bureau reports. Only you can tell if the information is incorrect or incomplete.

Your credit reports can differ significantly depending on which credit bureau's data you use. So, it is a good practice to check all three credit reports.

Credit Karma offers access to the credit reports mentioned below.

Credit Bureau Reporting Options
  • Equifax
  • TransUnion
  • Credit scores also vary depending on the model used, such as Vantage or FICO 8. Credit Karma does not give you access to your FICO score. Other score models, such as VantageScore, are useful but they don't show you the score most lenders are looking at.

    How often does Credit Karma update?

    Credit Karma does not specify how often it updates credit reports.

    What features does Credit Karma offer?

    There are many credit monitoring services, free and premium, to choose from. So, you can get picky when it comes to credit monitoring features. Here is a summary of the features Credit Karma offers.

    Credit Karma Features
    Credit Bureau Reporting
    • Equifax
    • TransUnion
    Credit Monitoring Features
    • Credit Analysis Calculator
    • Credit Change Alerts
    • Free Credit Monitoring
    • Mobile App
    • Online Credit Education
    Credit Report Frequency N/A

    Does Credit Karma offer identity protection?

    Credit Karma does not provide identity protection services.

    Does Credit Karma help with fixing credit report errors?

    No, Credit Karma does not help with credit report error disputes.

    Does Credit Karma help you put a credit freeze on your credit report?

    No, Credit Karma does not help you put a freeze on your credit report. This article provides a detailed step-by-step guide on how you can do it yourself.

    How to contact Credit Karma?

    The easiest way to contact Credit Karma is visit their website and go to their help and support page. You can typically find a link on the footer of their homepage. If you're interested in opening an account, click here.

    How to cancel Credit Karma?

    To cancel your Credit Karma account, log in as you usually do. Go to your profile or account page and request a membership cancellation.

    How can I join Credit Karma?

    1. Visit the Credit Karma website.
    2. Fill in the enrollment form. You will typically need to provide general financial information, such as your name, Social Security Number, address, annual income, and source of employment.
    3. Check the information is accurate and submit your application.

    How does Credit Karma compare to other credit monitoring companies?

    Pros & Cons of Credit Karma
    Pros Cons
  • Offers access to the data of multiple credit bureaus.
  • TransUnion's credit report.
  • Equifax's credit report.
  • Free credit monitoring.
  • FICO Scores are not available.
  • Will not help with disputing errors on your credit report.
  • Will not help you with freezing your credit report.
  • No free trial available.
  • Does not provide access to all three national credit bureau reports.
  • Does not allow you to check your updated credit report anytime you want.
  • No identity protection available.
  • SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


    • Headquarters
    •   760 Market Street
      Tenth Floor
      San Francisco, CA 94102
    •   Visit Site

    Other Services by Credit Karma

    Feature Breakdown

    Monthly Fee $0
    No Monthly Fees  
    Max Monthly Fee $0
    Credit Bureau Reporting
    • Equifax
    • TransUnion
    Credit Monitoring Features
    • Credit Analysis Calculator
    • Credit Change Alerts
    • Free Credit Monitoring
    • Mobile App
    • Online Credit Education
    Online Credit Education  

    Credit Karma Community Reviews


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