News Update: "According to MSN Money, the amount of consumers who have a FICO score between 800 & 850 has reached its highest since 2008."

Credit Karma

1/4 Credit Scores, B Rating in BBB

Our Score
User Score

Credit Karma is working to change the credit score landscape. They offer consumers a unique platform to track and manage their credit for free. Based on your score, you gain access to exclusive offers from companies that value your creditworthiness.

Credit Karma MapCreditKarma FB

The Good

Credit Karma does not have a free trial, because the service is already completely free. Their niche entails free credit scores for all consumers which can be monitored and viewed monthly. They offer updates and resources to keep track of your score and its performance.


Credit Karma

BCSC Rank Monthly Price BBB Rating Our Score
Free B
$14.95 A+
$29.99 A-
$22.50 A+

The Bad

Credit Karma has a B with the BBB currently due in large part to a recent government action (FTC) against Credit Karma which was settled. Credit Karma was found to have not taken the measures which it purported to in securing sensitive customer data with their mobile app. The lack of security measures is a concern in many arenas, and even more so when working with sensitive financial data.

Credit Karma is free but consumers pay in different ways. Credit Karma makes it very clear on their site that they use consumer information for offers. Credit Karma says, “Based on your score, you gain access to exclusive offers from companies that value your creditworthiness.” What does this mean? Credit Karma has to make money in one way or another. They’ve chosen to peg consumers with offers. One can expect to receive “consumer spam” after signing up with Credit Karma.

Credit Karma does not give consumers access to credit reports from agencies nor do they offer FICO scores. Credit Karma has set up three scores that are unique to their site. We like their approach; however, we find not having reports from major bureaus, to be a drawback.

The Bottom Line

Credit Karma is truly changing the credit landscape. Their services are financially free, and are accessible at any time. Using Credit Karma is an option for those who do not want to pay monthly fees or do not want the hassle of canceling.

The security issue with the FTC has been addressed and will be monitored for the next 20 years as per the settlement. As such, we can recommend them with cautionary advice as an option for learning what your credit score is.

While you don’t receive reports from all 3 bureaus, you do receive some valuable information that can truly help you with whatever goals you have.

Feature Details

Understanding the different features and services offered by each company will be helpful as you’re determining which service is best for you. We’ve highlighted a few of the services that each company offers, but this is not an exhaustive list. To see everything Credit Karma has to offer, visit their site.

Free TransUnion Credit Score

Credit Karma gives members access to their TransUnion credit score. Access to only one score is not ideal, but having one score is definitely better than not knowing any of your scores. Knowing all three scores is beneficial because some lenders don’t report issues or incidences to all three reporting bureaus.

Free Credit Report Card

When you enroll with Credit Karma you gain access to your credit report card. This shouldn’t be confused with your actual credit report, as it’s different. The report card is generated by Credit Karma and shows you how well they believe you are doing in your credit life.

Daily Credit Monitoring

Free daily credit monitoring can be a very helpful tool when you’re trying to keep an eye on your credit situation. Credit Karma will monitor your credit and update you if any certain changes take place.

Savings Recommendation

Credit Karma looks at your credit score and your credit situation and can make recommendations about how you can save money, based on your habits. If you spend a lot of money doing certain, unnecessary activities, they may recommend that you cut back. 

Access to Credit Card and Financial Institution Reviews

Credit Karma has looked into and reviewed many different credit card issuing and financial institutions and they offer the results to you. You can look into the different organizations and determine which may be best for you, depending on your preferences.


Are there any inaccuracies in this review? We take accuracy very seriously and would love your feedback. Visit our Request Reconsideration page and send us your feedback today!

19 Credit Karma Reviews

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  1. User Score
    LaShonda Charlton
    June 29th, 2014 at 7:03 am
    0 people found this review helpful!

    Love this site used it to find my starting point and cleaned up my credit so I could buy my house.

  2. User Score
    June 25th, 2014 at 12:40 am
    0 people found this review helpful!

    The credit karma is the next best tool I have for changing my credit future and I am glad that it is around and I will continue to share and speed the word.

  3. User Score
    Jay Wilder
    June 22nd, 2014 at 11:20 pm
    0 people found this review helpful!

    Excellent credit tool !

  4. User Score
    June 22nd, 2014 at 4:27 pm
    0 people found this review helpful!

    Carmen fi******

  5. User Score
    June 21st, 2014 at 10:09 am
    0 people found this review helpful!

    This site has helped me so much. I’m so glad I decided to try it. Maybe soon I’ll be able to bring my score up thanks to you guys.

  6. User Score
    June 21st, 2014 at 3:16 am
    0 people found this review helpful!

    I like being able to see my score with out having to pay .I just wonder what you can buy with on the higher side of good credit.

  7. User Score
    June 20th, 2014 at 2:34 am
    0 people found this review helpful!

    Works great for me!

  8. User Score
    June 19th, 2014 at 1:07 am
    0 people found this review helpful!

    Credit score averages a little lower than the big 3 (which motivates me to improve it)and I have used a few of their offers and the credit building recommendations.

  9. User Score
    June 17th, 2014 at 2:32 am
    0 people found this review helpful!

    Not accurate

  10. User Score
    Nata Clegg
    June 15th, 2014 at 3:09 am
    0 people found this review helpful!

    Its a good guideline for your credit.

  11. User Score
    June 10th, 2014 at 1:22 am
    0 people found this review helpful!

    So far..pretty decent. Scores seem pretty close tp what I’ve obtained elsewhere.

  12. User Score
    Amanda Shipwash
    June 8th, 2014 at 4:31 am
    0 people found this review helpful!

    I absolutely love it! Bottom line it’s the best!

  13. User Score
    June 7th, 2014 at 10:35 pm
    0 people found this review helpful!

    FREE,,,,,what’s not to like?

  14. User Score
    June 6th, 2014 at 2:03 am
    0 people found this review helpful!

    Amazing! It has truly helped me raise my score 100 points! Showing me my score, report, and best areas to work on for maximum improvement!

  15. User Score
    June 5th, 2014 at 4:09 pm
    0 people found this review helpful!

    I love receiving alerts about new account activity.

  16. User Score
    June 5th, 2014 at 3:57 pm
    0 people found this review helpful!

    Awesome site I have already got two credit offers highly recommend

  17. User Score
    kia ford
    June 1st, 2014 at 5:13 pm
    0 people found this review helpful!

    I think its a good website thats free and beneficial

  18. User Score
    Homer Johnson
    May 29th, 2014 at 4:38 pm
    0 people found this review helpful!

    Every credit report company seems to think they know your e-mail address and passwords better then you, No matter what I use, they do not like them. So keep your reports, I don’t really need the hassle in order to have a report.

  19. User Score
    Jasmine Novotny
    August 22nd, 2013 at 3:11 pm
    0 people found this review helpful!


Our Score
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Ratings Breakdown

Trial Detail




Scores Provided


Reports Provided



Score & Report Refreshes

Credit Monitoring

Email or SMS Alerts

Error Dispute

Dispute Credit Report Errors


Data Security

Is my information safe?

ID Theft Protection


Mobile App

Mobile compatible tools

Number of Reviews

User reviews here on BCSC

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Review Last Updated: January 21, 2015

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