Credit Karma

Love credit karma. Helped me stay on track and improve credit score for home ownership. Even showed a balance on an unused account alerting me to contact them. Most recently they found some unclaimed money in my name and directed me where to claim it.

Its easy to use, its an amazing way to stay on top of your spending and what cards are costing you too much and it helps me feel good about how I take care of my finances. Thanks guys at CK!

Tells you fantasy scores, used Experian for all three found out all 3 scores were different. Used ScoreSense as well, same thing. Credit Karma is bloating your scores to higher than what they actually are.

Thanks for this free credit monitoring service. I can check my score whenever I want so I can stay on top of things. And thanks for offering options to lower debt. I recommend Credit Karma to everyone I know.

I love Credit Karma! I only wish I would have listened to my husband sooner. It's helped me take control of my credit and get back on track! I would recommend it to all my family and friends!

Best free credit reports every 2 weeks or so. It has been alot of help to keep an eye on my credit and guide me to a higher score!

Love the app! Easy to use & understand! You will not be able to get your FICO score but you'll get a VantageScore 3.0 rating which is still good if you just want a ball park estimate for your credit score. Also, you'll be able to find out what credit cards & loans you may qualify for & what the interest rate may be also well. This app supplies breakdowns of your credit as well. Which is VERY in increasing your score.

In response to the reply...updated once a month or not CK is not accurate in scoring and mines never what it is on other known to be accurate sites. That is what I was referring to. On just about every group I'm part of CK is spoken of daily in reference to the inaccuracies. Hope that clarified that!! I check this app everyday. I like certain features, but I really wish you guys were more accurate with the scores and info. Sometimes I have to wait more than a week to see an update. I wish you all had a better real-time updating system. I like the easy pin access. Overall I am pleased.

I LOVE this app., twice I ck'd my score, just prior to going out to buy a major purchase, the store ran my application and credit score and told me the credit score was not that great, and the interest on my purchase would be at a higher rate. I brought my score up on my cell ph. under the "CREDIT KARMA APP." and they changed the interest rate by 15% lower than originally given... SOOO... I THANK-YOU so much for this app. ...and yes it's GREAT!!

The app is user friendly and the company has made it easy to figure out how to fix my credit. I was able to file disputes and get advice. Now my score is 100 points better and climbing. It's a helpful tool for anyone trying to fix, build, or monitor their credit scores.

App keeps telling me it can't find my file, even after quadruple checking that all my information is correct and free from typos. UPDATE - 6/24/2016: There was an issue on Trans-union's side with my info as Capitol One Credit Wise also didn't. However I got that corrected Credit Wise now works for me and Credit Karma still does not. App/Company is no good. I have done the verification process 5+ times now sending in the photos of my state issued ID and they still can't figure it out. Useless.

The app works great for the most part. The only problem I have encountered is that the app will not let me dispute errors on my credit report. I have attempted multiple times, but I keep getting an error messege stating that a problem has occurred and to try again later.

I can monitor my open accounts at hand whenever I want. Seems to be pretty accurate. If something isn't right about my accounts I can catch it first hand, then maybe finding out later when I'm trying to open another line of credit. Those type of surprises aren't usually good.

I've had credit karma for some time now. I love it! As a teenager years ago I didn't know how to properly use a credit card. So I accidently ruined my credit score, I signed up for credit karma and I've been able to improve my score dramatically and keep track of what's going on. The app is great!

Haven't been able to log in to the app in 2 months. Keep getting error messages so I've reverted back to using the site. Please fix this problem!

I really was excited about this app. Until I was made a offer to refinance my car based on my credit karma score. Which is 664. So I applied, and not only was I denied. My credit score is off by almost half. And the representative told me that my Credit Karma score doesn't mean anything. I felt very mislead, and I will never apply for any offer from credit karma again.

It periodically bumps me off and won't recognize my e-mail or password even though I choose a pass code to login with. Not worth the hassle of the constant resets.

You can't fix your credit until you know what's wrong with it. And the best way to find that out is through a free credit karma account. And the companies offering low-interest loans through Credit Karma Save the Day.

This app is an essential tool for monitoring one's own credit score and keeping track of all credit accounts including loans. The design and interface make using the app intuitive and simple. Additionally, there are a handful of great built in features, such as personalized credit advice and the ability to search for unclaimed funds. I truly could not recommend this app enough.

I never write reviews, but this app has saved my financial well being sooo much. I went up 100 points in my credit score thanks to this app. From March to June. I couldn't be happier, at this rate I'll finally be able to get a new car

Great app. Does what it should. Easy to navigate. Footnote: What you see here could be a bit off from what a lender will see. My bank had me 12 points lower. I might have a crappy bank, the jury is still out on them.

I think this app helps out a lot if you don't know what you have in bad or good credit. They also have the business addreses and phone numbers of where you owe, so it makes it easier to pay off.

Update: (07/01/2017) I was able to dispute an error through the app. With their help, my credit score jumped 77 points. I am NOW debtless. Thank you! (Many years ago) When I first opened app, the screen flashed something about a mortgage. The app showed in DEC ,I believe, over $20,000 and by the end of the month....it had dropped to where it is now. NO EXPLANATION. CONTACT THE RESPECTIVE AGENCY ABOUT THE EXISTING AMOUNT! THEY CAN FIX THIS!

Very inaccurate credit score. My score was off by 40 points. Thought I had it good and applied for a loan and was denied! Second time something like this happened. Learned my lesson! DON'T TRUST THIS APP!

I like it because it's easy to access, and you can see you score as soon as you open the app. It's gives a lot if info to help you raise it and tells you what's hurting your score. At first, it was confusing on finding certain info but ad soon as you figure where everything is at on the app, it's super easy!

Credit Karma is amazing. my credit was awful. This app has helped me get my credit up by almost 100 points in the last year. I highly recommend this app for anyone looking to learn about building credit. So simple. Thank you Credit Karma.

This app is great. You can see your full credit reports and scores from Equifax and Transunion, updated weekly. It's just too bad Experian won't play nice and put their stuff on Credit Karma.

Scores are pretty accurate and very close to the score that creditors are receiving from other sources. Easy to view accounts, and file disputes. It's fast and provides lots of valuable information on how to better your score. Absolutely love this app.

One bad thing. It says i should be able to get a better car loan and go to fill out and they dont have ford explorer on the drop down so i cant. Stupid

The app is feature rich, and reasonably accurate. I do, however, find it interesting that credit usage is reported almost immediately, but many payments take several months to appear. (I realize CK only shows what creditors report to them.)

Only reason I did not rate it 5 stars is because this app and the website itself would not share "notes of changes" made on the app. I could not see those messages on the website. Otherwise, this is amazing!

This app would be great... Except for the fact that every time I go to review whatever report details show up in my email, there's always an error and I can never load the page with reports in it.

Keeps my credit on check, gave me amazing offers on credit cards that are helping build my credit, and to top it off, it found me money other companies owned me! Wait and there's more, my taxes were deposited in two days after using their services!! 5stars +++++

Finally a way to view our scores freely. I have found however that CK scores are about 100 pts more than Equifax, Transunion, and other one. Problematic if applying for new cards and they use the big 3.

Helped me to improve my score by over 100 points in 6 months. I followed their advice, listened to recommendations, and read all of the tips. Already went from 532 with only 1 secured card to 645 with 5 cards (none secured). Yay!

I love this app,very easy to navigate and seriously helped me not feel so overwhelmed with paying stuff off. It showed me exactly everyone I owe money too and it wasn't as much as I thought love it

STILL Can't get score...been going on for months, customer service is no help. Credit Sesame pulls my score, as does a bank that uses TransUnion. Tells me to contact customer service on the website, who keep saying it's not on their end. Made this review and they want me to conact customer service AGAIN to be told the same thing most likely

Credit score is pretty close. But always allow a 30 point fluctuation up or down, pretty much down though. But I really like it, I check it once a week. I love that it is free and very easy to use. I will definitely continue using this app.

Thanks to credit karma I noticed hard inquiries I didn't do and was able to dispute it directly from credit karma. I would have never known had it not been for this app! Thank you!

CK takes the time to show you different and much better ways to improve your credit. It gives you the interest rate and fees, if any, when seeking credit cards and auto loans and show you your chances of approval. All this comes with an app that is free. Because of CK and the suggestions that it's made for me in the past year my credit score has improved by over 30 points. Thank you!