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п»їCredit Karma Review for 2021.
Whether you’re working on repairing your credit or simply want to find out where yours stands, there are plenty of websites available that claim to offer free credit scores.
Credit Karma offers its members free credit score updates, monitoring services, and personalized advice on how to improve your credit score. It’s currently one of the most popular “free credit score” sites on the Internet.
So how does it stack up to other sites? And is the information truly reliable? We dug deep to find out exactly what they bring to the table and whether it’s worth taking the time to sign up. Read on for our full Credit Karma review.
How does Credit Karma work?
Unlike other sites, you never have to enter your credit card information, so you don’t have to worry about hidden charges, fees, or trial periods that end suddenly.
How does Credit Karma make money?
Credit Karma makes money by offering promotions and financial services to its members from partner companies.
Some of the recommended credit cards Credit Karma offers include:
Balance transfer credit cards Cashback credit cards 0% and low-interest credit cards Rewards credit cards Travel credit cards Hotel credit cards.
Each credit card recommended on their list of “best credit cards” is based on your credit profile.
Is Credit Karma safe?
Credit Karma prides themselves on keeping your personal information safe, and part of their success in doing so is that they don’t request that much.
As mentioned above, they don’t ask for a credit card number and you only have to enter the last four digits of your social security number to get started. Even that information isn’t stored permanently, so there’s no risk of someone hacking in and stealing part of your social security number.
Additionally, Credit Karma doesn’t sell or rent your information to any third parties. This includes both your contact information and your credit information. Your information is safe on the website because they use encryption services to protect online users.
Credit Karma Complaints.
The FTC sued credit Karma in 2014 for security risks in its mobile app, but those issues have since been addressed.
What You Get with a Credit Karma Account.
Once you’re ready to open an account, what benefits do you receive?
The website primarily centers around breaking down your credit information and analyzing the information to help you make financial decisions and gauge what areas might need attention. One of the most appealing features for many users is access to their free credit score.
Here’s everything you’ll get with your membership:
VantageScore 3.0 TransUnion credit report, credit score, auto insurance score Equifax credit report and credit score Free credit monitoring Credit report card to help identify weak areas in your credit report Credit score simulator shows how certain actions could potentially raise or lower your credit score.
All of this information is displayed in easy-to-use dashboards. You can look at what factors impact your credit score. Credit Karma breaks down each weighted category in the scoring system to show how you rate in each one.
This helps you know what areas of your finances you should focus on to improve your credit score. If you noticed any errors or possible signs of identity theft on your credit report, you can take action by disputing them with the major credit bureaus.
For example, you might have an “excellent” rating under your credit utilization, but only score a “fair” for payment history. So you know that your best potential for future growth lies in making regular, on-time payments for your bills each month.
You can also click each category to go into further detail about how different ratios are calculated and what statistics have changed since last month. They also show you how you compare to other Credit Karma users with similar demographics as your own.
It’s quite an in-depth breakdown of all the factors that go into your credit score. This can be very helpful if you’d like a full analysis of what you need to do to help improve your credit score.
New Features from Credit Karma.
Credit Karma has recently rolled out a few extra features to offer members. The first is called Unclaimed Money. You can perform a free search to see if you qualify. When companies owe you money but can’t reach you, for example, they’re required to turn that money over to the state.
Credit Karma members can search a free database to see if they have any outstanding money to claim from the government.
The second new member feature is a free tax return service. It’s similar to Turbo Tax and H&R Block’s software services, with a maximum refund guarantee. Plus, both the federal and state returns are free to file, as are additional forms you may need.
Is Credit Karma free?
It’s true that Credit Karma is completely free and the company claims that they will remain so indefinitely. That’s great news for users, but it’s still important to be cautious when browsing the website.
It might be tempting to take out a loan or get a new credit card that you might not otherwise consider when you see all the various financing offers available to you.
Perhaps that is a good thing for some people; after all, everyone needs some sort of financing at some point in their lives. Or maybe your credit has improved and you are eligible to refinance a current loan at a better interest rate and save some serious cash.
Why is Credit Karma free?
One minor complaint from some users is that the user dashboard has many ads and offers from third parties — maybe too many for some.
Of course, these ads and offers are how they make money and can provide members with a totally free credit score. However, you shouldn’t take out a credit card or loan that you don’t need just because you’re being offered what seems like a good deal.
Because Credit Karma has access to so much of your personal and financial information, they are able to make extremely targeted individualized offers to each member.
Be sure to use your judgment wisely before committing to any product you’re offered. But hopefully, if you’re using Credit Karma, you’re already determined to use your credit responsibly so you can achieve all of your financial goals.
How accurate is Credit Karma?
The free credit score you receive from Credit Karma comes straight from TransUnion and Equifax, two of the three credit bureaus. It is not your FICO score, the scoring model used by the vast majority of lenders. In the credit industry, these credit scores are referred to as “FAKOs.”
If you’re interested in getting your real FICO scores for free, check out our article, 13 Credit Cards Offering Free Credit Scores. Some of the credit card companies don’t even require you to be a customer.
VantageScore.
While VantageScore 3.0 was actually created by all three major credit bureaus, it’s still not as popular as the FICO model. When it comes time to apply for a loan, your FICO score may be quite different from the free credit score you’ve been tracking through Credit Karma.
There’s no way to tell how big the difference may be; in fact, member reports vary in all different directions. Some users claim that their credit scores from Credit Karma are much lower than their FICOs. It leads them to wonder if the website purposefully reports lower credit scores to keep customers coming back.
Other people are disappointed when they find out that their FICO score is lower and that they don’t qualify for as competitive interest rates as they had hoped for.
Still, others say that their FICO and Credit Karma credit scores had negligible differences. It seems like personal experiences can vary widely, so it’s best to take your personal information with a grain of salt.
Does Credit Karma hurt your credit score?
Bottom Line.
Using their service to track and analyze your free credit score can be a big help when you’re in the process of looking for a loan. Just remember that when you are shopping for a loan, you should always talk to several lenders and compare offers before choosing one.
If you’re unsure of how accurate your Credit Karma credit score is compared to the number your lender will pull, wait until you are ready to actually take the loan out. That way, you can batch all of your credit inquiries together and find out your credit score during the application process.
By doing so, you won’t risk hurting your credit score with multiple hard pulls on your credit reports from different lenders. Even if most lenders use a FICO score instead of the VantageScore 3.0 provided by Credit Karma, they still offer a useful service.
So does Credit Karma prepare you for the loan application process? Yes, they provide a free credit score that comes directly from the information (and formulas) furnished by the three credit bureaus.
If you’re looking for a free, reliable credit monitoring service, Credit Karma provides real-time updates and personalized advice to help you raise your credit score.
But nothing is an exact science and you can’t rely solely on Credit Karma’s credit scores to determine how likely you are to get approved for a loan. However, more information is always better than none, especially when it’s free.


Are credit karma scores correct.
© 2007–2016 Credit Karma, Inc. Credit Karma™ is a registered trademark of Credit Karma, Inc. All Rights Reserved. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. This site may be compensated through third party advertisers.
iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Android is a trademark of Google Inc.
The Equifax logo is a registered trademark owned by Equifax in the United States and other countries.


Are credit karma scores correct.
© 2007–2016 Credit Karma, Inc. Credit Karma™ is a registered trademark of Credit Karma, Inc. All Rights Reserved. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. This site may be compensated through third party advertisers.
iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Android is a trademark of Google Inc.
The Equifax logo is a registered trademark owned by Equifax in the United States and other countries.


Are credit karma scores correct.
© 2007–2016 Credit Karma, Inc. Credit Karma™ is a registered trademark of Credit Karma, Inc. All Rights Reserved. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. This site may be compensated through third party advertisers.
iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Android is a trademark of Google Inc.
The Equifax logo is a registered trademark owned by Equifax in the United States and other countries.


How Accurate is Credit Karma?
Many or all of the companies featured provide compensation to LendEDU. These commissions are how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear on our site.
Founded in 2007, Credit Karma is a San Francisco-based financial services company that offers free credit scores to the masses. Credit Karma touts that it will always be free to the consumers who use its website or mobile app.
But how accurate is Credit Karma? In some cases, as seen in an example below, Credit Karma may be off by 20 to 25 points.
On this page :
Comparing Nate’s Credit Scores on Credit Karma vs. Wells Fargo.
As an example, we experimented to see how accurate Credit Karma’s scores were for our Co-founder, Nate Matherson. Here is a screenshot from Nate’s Credit Karma account:
Also on July 9th, 2019, Nate applied for a personal line of credit from Wells Fargo. Here is a screenshot from Nate’s Wells Fargo loan application:
Nate’s Experian FICO Score 9, pulled by Wells Fargo on July 9th, 2019.
As you can see in the examples above, Nate’s Experian FICO Score 9 was 25 points higher than his VantageScore from Transunion and 20 points higher than his VantageScore from Equifax.
In Nate’s case, Credit Karma was accurate enough to say that he had an excellent credit score, but wasn’t perfect.
Interested in viewing your free credit score with Credit Karma?
Receive alerts when changes to your reports occur View a breakdown of factors that are currently affecting your score Make better decisions with personalized recommendations.
Types of Credit Scores Available.
In the world of consumer credit, there are several different credit scores that may be used by creditors to evaluate the risk of a new borrower.
Regardless of the type used, information like an individual’s account payment history, number of accounts open and used, credit utilization percentage, and any negative credit issues are all included in the calculation of one’s credit score.
An in-depth algorithm is applied to these details to derive a three-digit number ranging from 300 to 850, in most cases. The higher the credit score, the more sound a borrower the individual is perceived to be when a new application for credit is submitted.
While Credit Karma boasts its free credit score to anyone who wants it, the company provides access to an individual’s VantageScore 3.0, not the FICO Score that the majority of lenders use to evaluate an individual. The VantageScore 3.0 has the same credit score range as FICO and uses some of the same information a FICO Score does, but the way in which the information is used to determine one’s credit score is different.
When Credit Karma users see their credit score details on the site or the mobile app, they are viewing their VantageScore 3.0.
In addition to using a different type of credit score than most lenders and financial institutions, Credit Karma also offers access to only two credit scores from two of the credit reporting agencies.
Currently, Credit Karma allows users to see their Equifax VantageScore 3.0 and their TransUnion VantageScore 3.0 – not a credit score of any kind from Experian. Given that the three credit reporting agencies all offer credit scores to individual consumers, missing the third may mean Credit Karma users are getting a slightly inaccurate picture of their credit profile.
Breaking Down FICO and VantageScore.
When most people think about their credit score, whether they know it or not, they are thinking about FICO. The Fair Isaac Corporation introduced FICO credit scores for consumers back in 1989, and since then the company has worked diligently to keep up with consumer behaviors and how those impact the FICO scoring calculations. Up until a decade ago, FICO was the only consumer credit score used by the three major credit reporting agencies, as well as the only score used by lenders and financial institutions.
In recent years, VantageScore has taken on the challenge of competing with FICO for its place at the top of the consumer credit scoring chain. By partnering with the three credit bureaus, VantageScore is able to use similar information and scoring models as FICO to generate individual credit scores. However, there are differences between FICO and VantageScore that consumers should be aware of.
First, it is important to understand that both the FICO and VantageScore methods draw from the same consumer information: payment history, credit usage, recent inquiries, length of credit, and type of credit. However, these details are gathered in different ways.
FICO bases its scoring on the credit reports of millions of consumers at a time, received directly from the three credit bureaus to create the most accurate scoring. VantageScore, on the other hand, uses consumer credit files in smaller sets to create its formula for scoring. Both end up with a score range of 300 to 850, but that’s where most of the similarities end.
VantageScore is more beneficial to consumers with a short credit history, as its scoring model only requires one month of activity and one account reported to the credit bureaus to create a score. FICO, conversely, requires at least six months of credit history and one account reported. This means, at least initially, a VantageScore may be far higher than a FICO score for the same individual.
Similarly, VantageScore and FICO have a difference of opinion when it comes to late payments. For FICO score calculations, payment history makes up 35 percent, although all late payments are viewed in the same way. VantageScore calculations penalize late mortgage payments more harshly than other credit accounts, dropping an individual’s VantageScore down more so than their FICO score.
Overall, viewing one’s credit score on Credit Karma may produce a different result than viewing it through one or more of the credit bureaus directly. The slight differences in calculations between VantageScore and FICO credit scores can lead to significant variations in scores, making Credit Karma less accurate than most may appreciate.
Other Differences to Recognize.
In addition to differences between VantageScore and FICO credit score calculations, each major player in the consumer credit scoring market has had several versions designed and implemented over the years. FICO has developed no less than 56 versions of its credit score – one for each of the three major credit bureaus along with one for each specific industry that may use it.
For instance, auto loan lenders have an Auto Score available from FICO that uses the same credit information to determine specific risk factors a borrower may show as it relates to defaulting on a new car loan. The same is true for credit card issuers (FICO Bankcard Score), mortgage lenders, and general credit inquiries.
While VantageScore does not have as many iterations of its credit scoring model, there are at least two versions still in use today by consumers and some lenders. The differences between these credit scoring versions might be subtle, but the details used to calculate an individual’s credit score are varied enough to create multiple scores for a single person at any given time.
The idea of having several different credit scores out there in the world can be a bit overwhelming. Fortunately, a tool like Credit Karma keeps the process of monitoring VantageScore credit scores from Equifax and TransUnion fairly straightforward. It is, however, important for consumers to take the time (and nominal cost) to also review their FICO credit scores from each of the three major credit bureaus every now and again. This ensures there are no major discrepancies, and that scores are in the healthiest possible range.
If you’re ready to use Credit Karma to monitor your credit score, check out its website by clicking below.




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