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Credit Karma Identity Theft Protection Review 2023

8.8
very good
Nadav Shemer

In a Nutshell

Credit Karma offers basic credit monitoring services for free. If you’re looking to get weekly updates of your credit score, insights on how to improve your credit score, and personalized recommendations for ways to use your credit more wisely – all without paying a dime – then you may want to consider choosing Credit Karma.

pros

  • Completely free way to monitor your credit
  • They will never ask for credit card or payment info
  • No hidden fees or upsells

cons

  • Very basic features (as you’d expect for a free service!)
  • Your data may be shared with Credit Karma partners

Credit Karma Credit Karma Visit Site

A brilliant solution for:

  • Anyone wanting to monitor their credit score without having to pay for it
  • Prospective borrower trying to improve their credit score

How does it work?

The Credit Karma business model is really simple and it doesn’t require you to purchase anything, download anything, or hand over sensitive information such as your credit card number.

To sign up, just provide basic information about yourself (name, email address, home address, date of birth, and last four digits of your social security number), read and agree to the terms and conditions, and then follow the prompts to verify your identity.

After you register, you’ll have access to your credit scores from TransUnion and Equifax (but not Experian) and you’ll also receive weekly updates as well as alerts when anything changes. Credit Karma will analyze your credit profile to make you product recommendations for things like loans and/or refinancing that it thinks can save you money. If you get a product through one of Credit Karma’s recommendations, the bank or lender pays Credit Karma directly. You won’t have to pay a dime.

What does this service watch out for? 

As its name suggests, Credit Karma mainly watches out for your credit score. Although Credit Karma doesn’t have a long list of features like the top paid services, it does offer plenty of value and all without charging you a dime. 

  • Credit monitoring: Equifax and TransUnion (but not Experian) 
  • Notifications whenever your score changes 
  • Weekly updates of your credit score
  • Personalized recommendations for loans and other financial products
  • Search for unclaimed money held by state governments (When a business owes you money but can’t send it to you, they may send it to the state)

Recovery services - what can Credit Karma do if my identity is stolen? 

As a free monitoring service, Credit Karma doesn’t offer any recovery services. If you’re looking for ID theft insurance, lost wallet replacement assistance, or dedicated restoration specialists, then check out Top10.com’s recommendations for the best ID theft protection companies here.

How easy is it to use? 

This service really couldn’t be easier to use. As mentioned earlier, there’s no need to download anything. Simply register for the service to get near-instant access to your credit score and other services.

Pricing 

Credit Karma is a completely free service to use. Whenever you choose a product recommended to you by Credit Karma, the bank or lender offering the product pays Credit Karma directly. Credit Karma will never ask you for your credit card details.

Credit Karma Credit Karma Visit Site

Help & Support

Credit Karma doesn’t offer anything in the way of customer support, which isn’t surprising given it’s a free service. However, the Credit Karma website does have a useful Help Center where you can find guides to things like monitoring your identity, finding financial products, and managing your Credit Karma account.

Bottom Line

The Credit Karma value proposition is really simple. It offers free credit monitoring and alerts in exchange for using your data to offer you personalized recommendations for financial products and services. If you don’t mind (or think you might benefit from) being offered loan products from Credit Karma partners, then this service is the best way to stay on top of your credit score.

Nadav Shemer specializes in business, tech, and energy, with a background in financial journalism, hi-tech and startups. He enjoys writing about the latest innovations in financial services and products.

Credit Karma customer reviews

Based on 28 reviews

Ease of use

Brand satisfaction

Value for money

Service quality

Top Reviews

Ease of use

Brand satisfaction

Value for money

Service quality

1 years ago

They're always updating my credit score and showing me how to improve my credit score. They give me reports on how my credit is going.

1 years ago

Credit Karma is a great source of information...and can keep track of how your credit is, and how much debt you pay off over the years.

1 years ago

I've never had any problems with CreditKarma and their website is easy to use.

1 years ago

It's free to use so value is great. Gives me great recommendations to improve my credit.

1 years ago

I like credit karma I think it was spot on with my credit rating . I'm not going to pay for it. It seems to be one of the best ones out there, it tells you about what your credit score is.

1 years ago

I trust them, and they do good service. Their products are very useful. The information they give is very helpful.

1 years ago

Very easy to use and does not affect my credit score if I use it multiple times. I have used it for years. It is a good product.

1 years ago

Credit karma is free. It's also very easy to use and understand. I have never had any issues.

1 years ago

Credit karma has given me so much advice for repairing my credit. I didn't know where to start before this service but I am heading in the right direction.

1 years ago

I liked the service. They also showed person's credit score which was really helpful.

1 years ago

I feel it is a great app and a way of staying on top of your credit, and they give you opportunity to help fix your credit score.

1 years ago

I love using credit karma. It is up to date, keeps me informed and helps me with my finances and it keeps me up to date on my credit score.

1 years ago

It helped me see what areas of my financial situation I need to improve on in order to improve my credit score, including my eating out habits and going to the gas station.

1 years ago

This site is accurate and very easy to use. It is a free site and even lets you know how to increase your score and different cards you would qualify for.

1 years ago

CreditKarma seems to be working well for me. They keep me updated on my spending and credit rating. It is a very good service to use.

1 years ago

I like credit Karma but I know It's not completely accurate which is just a little frustrating.

1 years ago

For a free service they are worth the time to sign up and have your credit tracked.

1 years ago

Have used them for years and It's a free service for monitoring credit scores and doing taxes.

1 years ago

I don't pay for the service. It tells me information about my score, which is what it is supposed to do.

1 years ago

It is simple and free. I can get direct information right away. The website was a little hard to navigate.

28 reviews
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