Last Updated: 04/18/2025
Credit Karma Credit Monitoring
Claimed
Last Updated: 04/18/2025
SuperMoney User Recommendation Score +76
Strongly recommended37 total votes
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Highlights
Community Rating
Strongly recommended
Identity Protection
N/A
Monthly Service Fee
$0(Verified 06/21/2024)
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Number of Reviews
Credit Karma Credit Monitoring Review
Credit Karma Credit Monitoring Pros & Cons
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Credit Karma Credit Monitoring FAQ
What is Credit Karma Credit Monitoring?
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 Credit Monitoring.
How much is Credit Karma Credit Monitoring?
No, Credit Karma Credit Monitoring doesn't charge a monthly fee.Does Credit Karma Credit Monitoring offer a trial?
No, Credit Karma Credit Monitoring 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 Monitoring?
Credit Karma Credit Monitoring 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 Credit Monitoring offers access to the credit reports mentioned below.
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Credit scores also vary depending on the model used, such as Vantage or FICO®. Credit Karma Credit Monitoring 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 Credit Monitoring update?
Credit Karma Credit Monitoring does not specify how often it updates credit reports.
What features does Credit Karma Credit Monitoring offer?
Here is a summary of the features Credit Karma Credit Monitoring offers.
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Does Credit Karma Credit Monitoring offer identity protection?
Credit Karma Credit Monitoring 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 Credit Monitoring membership?
To cancel your Credit Karma membership, log in as you usually do. Go to your profile or account page and request a membership cancellation.
How can I join Credit Karma?
- Visit the Credit Karma website.
- Fill in the enrollment form. You will typically need to provide general financial information, such as your name, Social Security Number, and address.
- Check the information is accurate and submit your application.
SuperMoney Disclosure: SuperMoney.com 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +76, or 4.5 on a 5-point rating scale.
+76
-1000+100
No one recommends
Everyone recommends
Credit Karma Credit Monitoring Community Reviews
Would you recommend Credit Karma Credit Monitoring to your friends?
SM
Steve M.
Mar 31, 2024
May or may not recommend
I like Credit Karma I’ve been using it for years I own four houses have over a through $4 million net worth with zero debt and I have friends that owe tons of money and their credit score is better than mine. I don’t understand.
U
Anonymous
May 12, 2023
May or may not recommend
Accurate with most current up to date information for consumers
LJ
Lauren J.
May 2, 2023
May or may not recommend
love this app so much. it’s So helpful for me
Kimberly D.
Jan 27, 2023
May or may not recommend
Credit Karma is user-friendly and easy to understand. It allows you to check your credit without hurting it and there are no monthly or service fees.
JH
Jaclyn H.
May 3, 2022
May or may not recommend
The website is very buggy. Once you get locked out you can never seem to get back in.
C
Callista
Apr 1, 2022
May or may not recommend
Credit Karma is honestly one of the most helpful financial tools that I have ever used. When I first started out with my own checking/savings account, I was quite naive and did not have many ideas about how to manage my finances. But by using Credit Karma, I have had access to a multitude of valuable information on how to maximize and grow my finances through my credit score. Along ...Show More
Sarah L.
Jan 12, 2022
May or may not recommend
Credit Karma is awesome, and it's free! They help with auto loans, refinancing, finding credit cards and let you know how likely you are to get approved. The app is secure and I check it almost every day, love it!
Trittany P.
Apr 26, 2021
May or may not recommend
Never had any real problems with Credit Karma. They’re not crooks like the multitude of sites from One Technologies that continue to pop up on the web. No Credit Karma has always done me right.
YC
Y C.
Mar 12, 2021
May or may not recommend
Credit Karma Credit Monitoring Credit Monitoring Tools really helped me right out of college. There were a lot of things I did not consider in terms of what spending would affect my credit. These Credit Karma tools helped me understand how to strategize spending and get better benefits for spending long term.
WC
Walter C.
Feb 28, 2021
May or may not recommend
I love Credit Karma! Credit Karma is the leader in credit monitoring and correction. If you have anything that needs to be disputed on you credit history it can be if caught in time and it will be fixed! Credit Karma sends you email updates every time your credit changes which is great because it inspires you to keep working at building your credit. Credit Karma uses the two most ...Show More
Alex B.
Feb 24, 2021
May or may not recommend
I love credit carma, its free and its super easy to use from my mobile phone. The well known credit reporters are super mean, they want fees for some basic info, whereas credit carma is always there on the phone app. It does show points from TransUnion and Equifax, it does update every negative points and positive ones on the app. It does show very detailed info about my credit ...Show More
ZW
Zoe W.
Feb 11, 2021
May or may not recommend
I am currently a college junior, so I do not have a long credit history. Having large student loans seemed scary at first because that is money that you need to pay back, and for some people that can take decades. When I started using Credit Karma my worries seemed to go away. It was easy for me to keep track of how many loans I have, updates my credit ...Show More
JG
Jessica G.
Jan 14, 2021
May or may not recommend
Credit Karma is a handy tool but I wouldn't rely on the credit score mine have always been about 20 points higher than their estimation. It is a good place to keep track of combined debts, credit inquiries, and approval odds for new cards or loans. My only complaints would be that it does not update correctly as frequently as it says and the credit scores are not too accurate ...Show More
KF
Karissa F.
Jan 5, 2021
May or may not recommend
I would definitely recommend Credit Karma Credit Monitoring for anyone wanting to monitor and better their credit score because it’s simple to use and there are no costs to check your score. With Credit Karma Credit Monitoring, you will not only receive emails when your score has changed, but you will also receive emails on what accounts on your Credit caused the change in your score. Credit Karma also provides ...Show More
LS
Lester S.
Jan 3, 2021
May or may not recommend
If you are new to using a credit card, please first open a credit karma account! I can't emphasize enough how good and informative their website and app are. Not only they track my credit expenses, but also suggest be a better decision on how to pay low interest and pay off any credit I have in my account. They also track if there is any change in my credit ...Show More
MM
Mariah M.
Dec 15, 2020
May or may not recommend
I started using Credit Karma after a data breach left my credit potentially exposed. It’s so easy to use! I appreciate that I get occasional emails reminding me to check my credit and monthly summaries about how/why my score went up, down, or stayed the same. My only negative with Credit Karma is that they do not offer monitoring for Experian, but they do provide information on ...Show More
PH
Paul H.
Dec 7, 2020
May or may not recommend
They are a god send when it comes to credit needs.
JF
Judith F.
Dec 6, 2020
May or may not recommend
Love how they keep a eye on my credit. Their website is easy to use. They also send out emails once in awhile to let me know how things are going. Easy to find out how things look from both Transunion and Equifax. They also offer to help you in working on rasing your score.
DJ
Dennis J.
Nov 7, 2020
May or may not recommend
I was really struggling with my credit after college. Between student loans and car payments, I felt I’d never have a good credit score. Credit Karma gave me a customized report, listing credit cards and loans, that would be most effective in bringing my score up, and all for free!! I couldn’t recommend Credit Karma any higher.
GR
Gaby R.
Nov 5, 2020
May or may not recommend
I had my wallet stolen a year ago and I have been super scared that whoever stole it would be using my information to take out a bunch of cards. But I signed up for Credit Karma to make sure that my information wasn't being used by the thief. I was lucky that no one had used my information but just having Credit Karma monitoring my information made me feel ...Show More
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