We earn a commission from brands listed on this site. This influences the order and manner in which these listings are presented.
Advertising Disclosure

Credit Karma Review (2024)

A Completely Free Credit Monitoring Service
By Nadav ShemerBy Nadav Shemer -
Last Updated: Jun 09, 2023
logo-CREDIT KARMA
Visit Site
Price
Free
Insurance coverage
N/A
Number of Devices
Unlimited

Our Verdict

Is Credit Karma Worth Signing Up For?

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.

Price
Free
Insurance coverage
N/A
Number of Devices
Unlimited

Credit Karma at a Glance

7.6
Editorial Score

Additional Protection

Search for unclaimed money held by state governments
8.0

Monitoring

Credit monitoring: Equifax and TransUnion, notifications of score changes, weekly credit score
10.0

Theft Insurance

N/A
6.0

Customer Support

Contact available via the help center or by logging in to your client account
8.0

Scalable Plans

N/A
6.0

Credit Karma Pros & Cons

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

Top Credit Karma Reviews

Cu
Customer
Two thumbs way up for keeping me informed
For all intents and purposes, my experience with Credit Karma has been positive, but pretty mundane. Until today. They informed me of a fraudulent account, and I was able to take action immediately. Just wanted to give them kudos for that, and a big thank you!
LM
Leala Moss
Leala mae moss
Yes******(((
Uzeme Olomu-Agbodo
I love CK
I love CK. Its totally free and they really help your credit building journey. They send very helpful mails regularly
See all Credit Karma reviews

How do I know I can trust this Credit Karma review?

Top10.com authors, contributors, and editors are serious about research. We combine our own experience with the services we recommend, with reviews that come from verified users–just like you! Together, with reviews from industry experts, we find the Top 10 best products and services to make sure you can choose with confidence and ease.

Credit Karma Credit Karma Visit site

How Credit Karma Works

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 Credit Karma 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)

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 Credit Karma 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.

CreditKarma Customer 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.

Credit Karma 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

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 writes for top10.com where he discusses the latest innovations in financial services and products.

Credit Karma reviews

Bad • Reviews 645
on
Excellent
24%
Great
4%
Average
3%
Poor
7%
Bad
62%
Sort by
Cu
Customer
3 months ago
Two thumbs way up for keeping me informed
For all intents and purposes, my experience with Credit Karma has been positive, but pretty mundane. Until today. They informed me of a fraudulent account, and I was able to take action immediately. Just wanted to give them kudos for that, and a big thank you!
LM
Leala Moss
3 months ago
Leala mae moss
Yes******(((
Uzeme Olomu-Agbodo
6 months ago
I love CK
I love CK. Its totally free and they really help your credit building journey. They send very helpful mails regularly
Gustan Cho
6 months ago
Credit Karma is easy to use and…
Credit Karma is easy to use and navigate. However I got some hard inquiries from Credit card companies that Credit Karma said I was approved but denied me

Copyright © 2009 - 2024 Natural Intelligence Ltd. All Rights Reserved.

Mailing address:

4023 Kennett Pike #50055

Wilmington, DE 19807

Top10.com is designed to help users make confident decisions online, this website contains information about a wide range of products and services. Certain details, including but not limited to prices and special offers, are provided to us directly from our partners and are dynamic and subject to change at any time without prior notice. Though based on meticulous research, the information we share does not constitute legal or professional advice or forecast, and should not be treated as such.

Reproduction in whole or in part is strictly prohibited.

As an Amazon Associate we earn from qualifying purchases.