Credit Karma

RATING:

4.9

(14)

About Credit Karma

Credit Karma is a free credit monitoring and financial management tool that helps users gain insight into their credit and spending habits. Credit Karma provides a holistic view of all credit finances so you can make informed decisions to help achieve financial progress. Credit Karma also analyzes credit scores and provides recommendations on how to improve your financial situation in order to help you build a positive credit history. Credit Karma also provides personalized, actionable advice and tips on everything from paying down debt to how to apply for a loan. Join over 100 million members making financial progress toward their credit goals.

Credit Karma Pricing

Free trial: 

Not Available

Free version: 

Not Available

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Credit Karma Reviews

Overall Rating

4.9

Ratings Breakdown

Secondary Ratings

Ease-of-use

5

Customer Support

4.5

Value for money

5

Functionality

5

Most Helpful Reviews for Credit Karma

1 - 5 of 14 Reviews

User Profile

Frank

Verified reviewer

Restaurants, 201-500 employees

Used daily for more than 2 years

Review Source: Capterra
This review was submitted organically. No incentive was offered

OVERALL RATING:

5

EASE OF USE

5

VALUE FOR MONEY

5

CUSTOMER SUPPORT

5

FUNCTIONALITY

5

Reviewed May 2023

Financially Life Saver

PROS

It helps tremendously to keep up with your credit score, it gives good advises on what step to follow to increase, and also it does keep you up to date by the platform as well as via email (Love the communication)

CONS

At times there is a lag between both TransUnion and Equifax

Michael

Environmental Services, 2-10 employees

Used weekly for less than 2 years

Review Source: Capterra
This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you.

OVERALL RATING:

5

EASE OF USE

5

VALUE FOR MONEY

5

CUSTOMER SUPPORT

5

FUNCTIONALITY

5

Reviewed August 2022

A Powerful Credit Tool

When I needed to get a small loan to start my business, I had no idea what my credit score was, or how to check it. A business associate told me to download Credit Karma to use their credit tracking software to get a better idea. Come to find out my credit was not in a good place and it needed work before i could qualify for the loan! Luckily, right away after joining, Credit karma began offering suggestions on how to help raise my score. I closely followed all of the suggestions that were made to me, and very quickly my score started to go up. Within just 3 months I qualified for my loan! That is my personal experience with Credit Karma, so obviously I was extremely happy with the services they offered. From a software standpoint, I was also very impressed. The experience is very user friendly, I was suprised how easy they made every step of each process in the app. They also have software that helps protect your identity and credit, which has provided me with a great sense of security as well. Also, the daily monitoring and knowing what is happening with my credit at all times has given me great peace of mind. Overall, Credit Karma played a huge role in me getting and keeping my business up and running, and for that I will always be grateful. Thanks Credit Karma!

PROS

What I like most are the offers and suggestions Credit Karma brings me cute things like loans and credit improvement.

CONS

I honestly cannot think of an improvement suggestion or dislike. I'm quite sure the folks there have thought of everything!

Jasmine

Consumer Services, 11-50 employees

Used monthly for less than 2 years

Review Source: Capterra
This review was submitted organically. No incentive was offered

OVERALL RATING:

5

EASE OF USE

5

VALUE FOR MONEY

5

CUSTOMER SUPPORT

5

FUNCTIONALITY

5

Reviewed April 2024

Have you used Them?

PROS

What i do like the most about Credit Karma is that it tells you when you have tried to run your credit and it gives you pointers on what you could do to increase your credit score.

CONS

i recommend to use on a iphone an not android it just gives better quality and it was 1 thing on the 1phone offered that the android didnt.

User Profile

Leora

Verified reviewer

Research, 11-50 employees

Used weekly for less than 12 months

Review Source: Capterra
This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you.

OVERALL RATING:

5

EASE OF USE

5

FUNCTIONALITY

5

Reviewed August 2022

Nice!

PROS

I use this app regularly to check my credit score and to see what credit cards are best for me

CONS

Sometimes the app doesn't load, especially when I'm abroad

Rubie

Pharmaceuticals, 5,001-10,000 employees

Used weekly for less than 2 years

Review Source: Capterra
This review was submitted organically. No incentive was offered

OVERALL RATING:

5

EASE OF USE

5

CUSTOMER SUPPORT

5

FUNCTIONALITY

5

Reviewed August 2023

Credit Karma a must have

I had my score low and with the application tips in three months my credit score increase significantly. Monitoring my score is a priority for me since my future plans depends on that and this application facilitares the monitoring process.

PROS

The accessibility to your credit score is the best without affecting the score. In additional the tips they give you to increase your score in a faster way. If you have a low score there is no need contract a company to fix it. The tips will lead you. Another great thing id that you can monitor all the accounts you have open and the balances in only 1 report. The data visualization is excellent!

CONS

At this moment I do not have any concern with the application.