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? No
Triple Bureau Credit Monitoring? No
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.

Monitoring your credit can also help you keep track of your credit scores so you can plan ahead and repair any issues that could hurt your credit. You can monitor your credit by yourself or by using a credit monitoring service, such as Credit Karma.

Does Credit Karma offer free credit monitoring?

Yes, Credit Karma offers free credit monitoring services.

How much is Credit Karma?

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

Does Credit Karma offer a free trial?

Yes, Credit Karma offers the option of a trial for a nominal price. However, check the terms of the trial. Usually, trials require a small fee and auto-renew into a full membership after the trial period.

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.

There are three main credit reporting agencies, Experian, Equifax, and TransUnion, and each one collects and stores information differently to generate its own credit report.

Your credit scores can also differ significantly depending on which report your score is based on. So, it is a good practice to check all three credit reports. Credit scores also vary depending on the model used, such as Vantage or FICO 8.

Credit Karma offers access to the credit reports mentioned below.

Credit Bureau Reporting Options
  • Equifax
  • TransUnion
  • 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.

    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 application 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.
  • Does not offer access to Experian's credit report.
  • FICO Scores are not available.
  • Will not help with disputing errors on 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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