Credit Karma
Reviews and Complaints

I completely comfortable with Credit Karma and their services as a provider. I had a severe lack of communication and knowledge with the first representative I had called concerning my debit card being deactivated, asked to escalate the issue, and *** and I really understood that at times, providers do not always have updated and correct knowledge, and that’s nature, but you cannot insult, belittle, or argue with the consumer. *** saw to her service as being true, accurate, and sincere. I appreciate that as a consumer, as this company tends to finances, and that can sometimes be a lifeline.

I have been using Credit Karma for several years now. Many years ago it was very difficult to get information on My credit report and credit scores. I love using Credit Karma. I usually get notified to any changes to my credit report immediately. It is nice having this service and being able to see where improvements need to be made. There are a couple of things that do not make sense though. Often I get suggestions to apply for specific credit card that I already have. Then another issue is a suggested to apply for a credit card when most likely would get turned down due to too many recent credit inquires. Overall I really appreciate having Credit Karma!

Who's filing the class action? Everything worked out fine for me. and their customer rep was responsive but wanted me to share my personal info through email just to answer some simple questions. I thought that was a bit odd. But I received my refund advance quick like advertised and received my card as advertised. The late timing and everything for me was expected. Hey, what do you expect to get for free? Nothing is for free. Especially when you are dealing with a financial institution. Let all ask ourselves this question? Who in this world needs a cash advance? Let me answer that for you. We do. Us poor low income 2nd class citizens. The truth hurts doesn't it? well that's the truth. because no one is gonna fight for us. we are gonna get bent over and done over and over and we gonna let them do it and like it. I'm sorry for telling you the truth. I feel sorry for those who thought all was gonna be quick and easy money. Thats the price we pay. MVB bank gets FDIC affiliation after this and CK gets our money to invest for as long as they can hold our money. That's why it takes one month for the card to get to you and that's why all the normal atm etc who used to provide cardless service shut down all their service. they will not accept the atm fees so their partners can make money off of poor people like you and me. I was expecting to pay that price when I used their services. You was not? Ha Ha Ha! That's why the poor will always be poor. We are like addicts and will do just about and believe just about anything to get that dollar. I know I am. Wake up! Be accountable for our actions and next time just expect what we got coming. Like the rich folks tell us. If it sounds too good to be true then obviously that's what it is. Free money? How does that sound? Now you're getting a little tee bit smarter. But Thanks to MVB bank and CreditKarma (Intuit) I needed that quick fix and I'm happy to pay for the services. Just didn't like Turbo Tax. I will never use that retarded

Credit Karma is a website that provides credit scores and reports to its users. However, my experience with them has been nothing but negative. I had to close my account due to their unsatisfactory help. My account is now at -1000 because of a dispute that I had in November. I did not receive an email from them until yesterday, which is quite frustrating. I had a full mailbox, but they did not take any measures to send anything to me for a response. It was only after I cleaned out my mailbox two days ago that I received a new email from them.

Now, they are not even trying to fix the negative score, even though I went through a whole mess with a car place that scammed me for my money. I was sold a 0, and it was a terrible experience. Let's not even talk about their scores, which are not even accurate. Most people do not look at those scores, as they look for a whole other score when it comes down to looking into loans and how to better credit. I do not have credit as it is, and this is by far the worst company I have ever dealt with.

They are quick to close a dispute and do not really give time or effort to look into it. Once they close a dispute, they claim they cannot reopen it, which is not fair because there are other means of communication. Now everyone can see my means of proof, and the last email is all they have to offer. So now my account is at -1000, and I am not paying anything until it is resolved with a higher authority.

In conclusion, Credit Karma is not a reliable source for credit scores and reports. Their customer service is terrible, and they do not take the necessary measures to help their customers. I would not recommend this company to anyone, and I hope that they improve their services in the future.

Credit Karma is a website that helps people keep track of their credit score and credit report. It's a great tool for anyone who wants to stay on top of their finances and make sure they're not missing anything important. I've been using Credit Karma for a few months now, and I have to say, I'm really impressed with how easy it is to use.

One of the things I like about Credit Karma is that it's completely free. You don't have to pay anything to sign up, and you don't have to pay anything to use the site. This is a big deal for me, because I don't have a lot of extra money to spend on things like this. I also like that Credit Karma gives you access to your credit score and credit report from two of the three major credit bureaus (TransUnion and Equifax). This means you can get a pretty good idea of what your credit looks like overall.

Another thing I like about Credit Karma is that it gives you personalized recommendations based on your credit profile. For example, if you have a lot of credit card debt, Credit Karma might suggest that you look into a balance transfer credit card to help you pay off your debt faster. Or if you have a low credit score, Credit Karma might suggest that you work on improving your credit utilization ratio. These recommendations are really helpful, especially if you're not sure where to start when it comes to improving your credit.

Overall, I would definitely recommend Credit Karma to anyone who wants to keep track of their credit score and credit report. It's a great tool that's easy to use and completely free. Plus, the personalized recommendations are really helpful if you're not sure where to start when it comes to improving your credit. So if you're looking for a way to stay on top of your finances and make sure you're not missing anything important, give Credit Karma a try!

Credit Karma is a website that is supposed to help you keep track of your credit score and credit history. However, I have had numerous issues with the information they provide. For example, they have listed a company called Commity Bank Game on my account, even though I have never applied for anything from them. I contacted Commity Bank Game and they confirmed that it was not me, but Credit Karma still hasn't removed it from my account.

Another issue I have with Credit Karma is that they list all the store credit cards I had from years ago, even though some of them have closed or I requested to not use them anymore. I have tried to contact the credit bureaus myself to correct this, but Credit Karma never updates the information correctly. Instead, they only push unwanted cards and insurance companies on me.

Furthermore, I have noticed that my payments to my accounts are never correctly updated on Credit Karma. They also sell your information, even though they claim they don't. Even car payments that were always on time with extra payments never show up. My loan is almost paid in full, but Credit Karma shows it as if I just started paying it off. This is not the first time I have had issues with Credit Karma. I have paid off four vehicles before they were due, but Credit Karma never accurately reflected this.

I also suspect that Credit Karma has something to do with Commity Bank Game, as it is showing up on a lot of people's accounts who have never applied or asked for anything from them. I would advise being careful with their scores and information. Overall, Credit Karma has not been a reliable source for me and I would not recommend it.

I been using this online tax service for over 10 years and always filed my taxes electronically. But then I saw them TV ads for CreditKarma Tax and I thought, "why not give it a try?" It's free, after all. So I went ahead and started filling out my taxes on their site. It was pretty easy to use and had all the same features as my old tax service. But then I hit a snag. When I tried to file my federal return electronically, it got rejected right away. And I mean, right away. It took less than an hour for them to tell me it was a no-go. So I tried to contact their support team to see what was going on. But let me tell you, they were less than helpful. I couldn't get a straight answer out of them. So I had no choice but to file my return on paper. And that was just the beginning of my troubles.

A month later, I still hadn't heard anything about my state filing. So I decided to go online and check it out. And what do you know? My state return hadn't been filed electronically either! And I didn't get any notice from CreditKarma about it. So I had to print out my state return and mail it in. But when I looked at the printout, I noticed something was off. The standardized form was wrong! And they didn't even include the signature lines. I had to go to my state's website to get the correct form and then mail in my return. It was a real hassle.

I don't know what's going on with CreditKarma Tax, but their support team is useless. And if they can't even get the right state forms, who knows what else they're getting wrong? I'm definitely going to double-check my figures with my old tax service to make sure everything's accurate. And next year, I'm going back to my old online service.

I had a pretty wild experience with Credit Karma. My card kept getting declined even though I had hundreds of dollars on it. I didn't get any notifications on the app, emails, or calls, so I decided to give them a call. After finally getting through, they told me that my account was under review, but they couldn't explain what that meant or why it was happening. They also said that the customer service agents I spoke to didn't have access to the information and had to escalate my account to another department that handles that. But get this, they didn't have a phone number or any way to contact them. I had to wait on some elusive email that they were allegedly going to send, but I didn't receive anything aside from the one that said there were still no changes or new information to give me. After days of waiting for access to my own money, I was left with no choice but to sit quietly and wait for someone, anyone to tell me what had happened with my account, why it happened, and even more importantly, when I would be able to access my own money.

Meanwhile, my rent and lights were due, my kids were hungry, and my car needed gas. The only thing the customer service agents could tell me was that they understood my frustration and would make sure they resolved the issue for me right away. It was frustrating to hear that because it seemed like they weren't doing anything to help me.

Overall, I wouldn't recommend allowing this company to touch your hard-earned money. You might end up starving in the dark with nowhere to live. It's important to have access to your money when you need it, and Credit Karma didn't provide that for me.

I decided to give Credit Karma a try a few years ago and signed up for their credit monitoring service. It's not too bad, but it's not perfect either. They use your vantage score instead of your FICO score, so it's not always accurate. However, it gives you a general idea of where you stand and you can dispute any errors through the app. The only downside is that they only show two out of three scores, which is a bummer. But hey, it's free, so what can you expect?

I also signed up for their spend account, which turned out to be a nightmare. I had my tax refund deposited into the account for the past two years and it was a disaster. Their spend accounts are terrible. I had to call them every other transaction last year to unlock my card because they kept flagging it for fraud almost every time I used it. I couldn't even link my bank account, so my refund was stuck in there. This year, I got a different account and transferred everything out of it so I could actually use my money. But even a year later, I still can't link my Chime account to it. I don't have the time or patience to be on the phone every time I want to make a purchase. Plus, it's not even a Visa card, it's a Credit Karma card. My Chime card is also Visa and they've never shut it off on me. Credit Karma spend had me stuck in a restaurant unable to pay the bill while I fought on the phone with them for 45 minutes to unlock my card last year. It's a nightmare if you like having control of your money. You have to call them and spend 45 minutes on the phone just to make a purchase. I don't like having to ask permission to spend my own money and jump through hoops proving my identity several times a day just to use my card. After I successfully transferred everything out, I cut up the card and closed the account.

Overall, Credit Karma is okay for credit monitoring, but their spend account is not worth the hassle. If you're looking for a better banking experience, I suggest looking elsewhere.

I've been using Credit Karma for my finances for a good few years now. At first, everything was smooth sailing - my transactions were processed immediately and I felt secure knowing that my money was in good hands. However, over the past year, I've been experiencing constant issues with my account. For instance, I would go to a store and try to use my card, only to have it declined despite having enough funds in my account. This was frustrating, to say the least. I would then have to call customer support to confirm that it was indeed me trying to use my card. They would then "fix" the issue, but it would happen again the next time I tried to use my card.

Another issue I've been having is with changing my address. I've made six different service calls to try and change my address, but to no avail. It's unbelievable how difficult this simple task is. I've often wondered why I can't just change it on the app. When I called customer support again, they told me that they would send me a new card, but it would take up to 14 days to arrive. I couldn't wait that long, especially since I needed to use my money urgently. The customer support representative then told me that I could still use my old card while I waited for the new one. I agreed to this, but then she told me that I had to link my card to Venmo or I-Pay. Unfortunately, none of these options worked for me, and I felt like I was being tricked into agreeing to something that didn't meet my needs. The customer support representative was unable to connect me to anyone who could help me better.

All these experiences have led me to believe that Credit Karma doesn't care about its customers or their hard-earned money. It's incredibly difficult to get through to a person, and even when you do, they can't do much to help you. There are no other options beyond that, which is extremely disappointing and inconvenient. I don't feel like my money is safe with Credit Karma anymore, and I can't even use it when I need to.

Credit Karma is a website that helps people keep track of their credit score. They make money by getting commissions from companies that want to find new customers. They use a different credit score method than lenders, which is why there can be a big difference in credit scores. I don't rely on them completely for credit monitoring because they are not proactive like LifeLock. Free credit monitoring is not always reliable.

One thing that Credit Karma falsely advertises is that loan inquiries won't impact your credit score. This is not true because when you apply for a loan, it results in a hard impact on your credit report. Credit Karma makes money only when you actually get the loan. I applied for a loan from Lending Club and got it. Later, I was checking my rate on a personal loan on Credit Karma's website. I didn't know that I was actually applying for the loan. Checking my rate resulted in another application for a loan from Lending Club. LifeLock alerted me about the loan application, and I confirmed it was me. However, I noticed that I wasn't approved for the loan. Thanks to Credit Karma, I got a hard inquiry and the denial of a loan on my credit report. I hope their commission was worth it.

I won't use Credit Karma for rate inquiries or apply for credit cards through their site anymore. They earned their last commission from me. It's important to be aware that checking your rate for a loan may mean you're actually applying for that loan.

I've been using Credit Karma for a long time, like 10 years or so, and at first it was really helpful for me to improve my credit score. I know that some people say that the score isn't totally accurate, but it does give you an idea of whether your score is going up or down. But recently, I tried to apply for a line of credit using their LendingTree link, and things got weird.

I filled in my name, address, and phone number, and within minutes I started getting a bunch of phone calls. I picked a broker and answered a bunch of questions, and at the end they said they needed to pull my credit report. I was like, "Wait, how did you get my SSN? I didn't give it to you." And they were like, "Oh, we got it from the initial inquiry." But I never gave my SSN to LendingTree, and they didn't ask for it in the application. So how did all these brokers get my SSN?

I emailed Credit Karma to ask if they gave out my SSN, and they sent me a canned response saying they never give out my info to anyone they're not affiliated with. But that makes it sound like they did give it to LendingTree, since they make money from successful refinances and mortgages. I sent two more emails asking if they gave out my SSN without my permission, but I never got a response.

So my question is, has this happened to anyone else? It seems really sketchy that a company that's supposed to help you improve your credit would give out your sensitive information without your permission. I know that mortgage companies need your SSN, but shouldn't it be my choice which companies I give my personal details to? I don't want to just give my SSN to a bunch of random companies. If anyone else has had this happen to them, I'd love to hear about it.

I gotta say, I was pretty disappointed with Credit Karma. I mean, what's the deal with them constantly trying to get me to update my info and sign up for their affiliates? It's like they're just trying to make a quick buck off of me.

And don't even get me started on the security breach. I provided them with my email address and they couldn't even keep it safe? What kind of company is that?

But the real kicker was when they damaged my credit rating and caused one of my creditors to cancel my account. I've never had that happen before, and it's all because of Credit Karma.

I hadn't even been to their site in over a year when I got an email from them saying I was named in a company breach. Why would I trust a site that could potentially cause me harm?

And to top it all off, they lied to me about my preferences and refused to change them until after the damage was done. I sent in my preferences by mail, but they claimed there was no paper trail. And when I tried to speak with customer service, they were no help at all.

Honestly, I wouldn't recommend using Credit Karma. They caused me months of aggravation and grief, and I wouldn't want anyone else to go through that.

If you want to use this to pay bills, please plan waaaaay ahead of time, it’s going to take a week to clear my funds on Credit Karma’s end, not on my bank’s end.

I transferred my rent money into my Credit Karma Money Spend account so that way I can try out different alternatives to pay my rent by going with Credit Karma’s products and services. Before, I would typically transfer $100 or less and the money would clear the next day. But yesterday I transferred my rent money so that I can use Credit Karma’s Money Spend debit card. I made a fatal mistake. The money cleared with my Chase bank account but not with Credit Karma.

I called customer support and there’s absolutely no way to get this pushed faster. I got the customer service agent to admit that Credit Karma is just a middle man company and not a bank.

My money is just sitting there in their system. My customer service representative also admitted that not even her boss and their bosses’ boss or the owners/executives of Credit Karma can do anything about it.

A warning to those that want to use this for serious transactions….don’t. Stick to your banking methods instead of this horrific system. They’re a credit report viewing company, not a bank, but a company pretending to be a bank so that they can one day get their banking privileges in the future. So far, they’re sucking at it big time.

Also, to developers, it’s not your fault, it’s your clients fault as their policies are horrendous policies. Now I see why Credit Karma attempts to incentivize people to use their fake banking products with free money back (they spot your transactions) in order to get people to use it more.

Sorry Credit Karma, you have lost another customer for life. My gut feeling also told me not to go use your services. But please continue to pay for other people’s transactions with your lame promotions, when you can be using your own capital to prioritize to find ways to make your products and services more higher qualitative, accessible, and easier to use instead of baiting people to use your faulty products. Yuck.

I’ve been using Credit Karma (CK) for at least 7-8 years now. I’ve also been using other credit apps. And, in my opinion, CK is hands down the best credit app/site out there. When I started, my TransUnion score was 533. Now, I’m at a 825…UNBELIEVABLE, right! Before CK, I didn’t realize the importance of good credit. I had no idea what my credit score was, nor did I know what was on my credit report. CK provides credit education. CK also provides a daily TransUnion credit score and credit report. It also provides a weekly Equifax credit score and credit report. The CK app is user friendly. CK allows me to monitor all my account balances, my account payment histories, my credit card utilization, my hard inquiries, etc. Each creditor listed on my Credit Karma account contains the contact information (i.e.; address & phone number). This contact information allows me to easily contact creditors if needed. I’m able to, and have successfully disputed incorrect information directly from my Credit Karma account. Credit Karma has a whole bunch of other features too. You can search the CK site for lost unclaimed money. I even think there’s an income tax preparation option on the site. I was approved for my AMEX and Discover credit cards through the CK app. I can go on and on about the pros of Credit Karma because there are so many pros. However, I have two cons…1) Credit Karma only reports from two of the major credit bureaus (TransUnion & Equifax). It would be GREAT if Experian were included…this is truly my biggest pet peeve about CK. 2) it would be nice if CK used actual FICO scores, but because most credit card companies provide FICO scores, having FICO scores from CK is not a deal breaker for me. In actually, I have 6 different credit cards and all of them provide a different FICO score version from a different credit bureau. So, even if CK did used FICO scores, there’s no way of knowing which FICO version a creditor will use. I truly believe the information provided by CK is invaluable, AND IT’S FREE! If you’re not looking for actual FICO scores, Get CK! You won’t be sorry!

Update:
So, I changed my review to four stars. Although I am still frustrated by the app not being native, I will say that Credit Karma as a whole has been awesome! The new site is great! And I took a chance at one of the Credit Card Balance Transfer Offers, because CK said I had a very good chance at being approved, and I WAS approved! Anyway, I hope the debs at CK take into account my original rant, but overall, it's a great service!

Well, I used to love the Credit Karma app! I actually recommended it to several people because it really gave me insight to my current credit status and score. I was originally shocked to see a different (and lower) score suddenly, but after reading about the Vantage Score, I guess I understand the change. It was just a little frustrating to think my score was a lot better than it apparently is? The only good thing is having data from two credit bureaus now.

The rest of the redesign is really really bad. Everything is just a link to an internal browser that takes you to the full site. I really don't like that at all. I much prefer the native feel and design of the last version. It felt more like an app! If I wanted to use the site, then I would just log on to a computer.

Also, I can't scroll through the offers on credit cards without every touch triggering a link to the browser and full site again. When I go back, I start at the beginning on the first page.

In the end, I have never written a poor review before, but I'm wondering if there was any real thought put into these changes in design? Were there any studies conducted on user preferences or usability in general? I also feel that it wasn't tested very well. I am a software developer, and I am shocked that this was what was chosen for a complete redesign.

Don't get me wrong, I think change is great, and necessary, but these changes were several steps in the wrong direction! I strongly suggest taking user requests and preferences into account when working on your future changes. Unfortunately, I may be forced to delete the app and just use the full website from now on. After all, that's basically all the app is now.

I’ve been using Credit Karma for almost five years. There are other choices obviously. However CK is the only free credit app I’ve found that displays both Transunion and Equifax reports. Most free credit apps typically only show the Transunion report. I’ve yet to find a free credit app that shows the Experian report. That being said signing up for an Experian Creditworks Basic account is free and gets the user a free copy of their Experian report once every 30 days. Creditworks Basic also allows items on the Experian report to be disputed directly. Signing up for a Transunion TrueIdentity account allows disputing report items directly with Transunion rather than relying on CK’s Direct Dispute channel with Transunion. To dispute items on Equifax reports one needs to sign up for a free MyEquifax account. Between the Experian Creditworks basic once every 30 days report updates and CK’s once per week updates on Transunion and Equifax you can keep an eye on your credit picture without spending any money. Be aware CK uses the Vantage 3.0 scoring model which is not widely adopted by the majority of the lending industry. Experian scores your report with a FICO 8 number, rather than Vantage 3.0, which while more useful is also not widely considered by most lenders either. To find all your FICO scores you will have to bite the bullet and spend ~$60 USD on MyFICO dot com to get all three credit reports and all FICO scores calculated against all three reports. Older FICO scoring models like 3, 4, 5 or 6 (as examples) are used by specific credit industries for lines of credit such as home mortgages, auto loans or unsecured revolving credit cards. There is no law that requires any given lending industry to use a specific scoring model. Consider your FICO8 and Vantage 3.0 scores as rough estimates of where you stand and as long as these scores trend up or stay steady nothing bad has happened. If something bad does happen to cause your scores to trend down that’s when TU TrueIdentity, Equifax MyEquifax and Experian Creditworks Basic become very useful to have already setup. Best of luck to everyone playing this credit worthiness game.

Sorry diss prove don't keep track real amount . Few my credit cards never cut down amount on record they wait until next bill comes on record like

my collection dept should be cut down by 30.00 they wait until two weeks or next month this thing so slow. Sad try have good score but turn out low score. Sad why can fix problem more high tec. On credit score. Thank you. Why is this credit Kamma so slow I check Capital one all clear off my record but this so slow progress my credit score and sad nice see score every seven days but truth is time. One time fee on card what hurt me now 96.00 both cards hurt my credit now each year. Why my score down to 559 because of fee high cost 96.00 plus another 96.00 fee never spend anything on card. Sad part. Wish stop all this fee. On all credit cards. Make life easy on poor single today world thank you. Nice see some things need take off next week month from past hard when don't get paid raise at all only I got last year no raise . Not like other people work get extra money . I poor person doing hard life hard way. When got rent other bills money gone fast. Try save money keep light off . Use less Electricity each month and one meal day and one washing clothes by hand or one load only month cut back less income so low can't get car loan that saddest be poor person. Be Harrahmemt on. Two jobs in the past years 2001- other 2004 not easy no car no job poor person count penny nickel and dimes . Sad but truth. Sad part this is that keep bring up same amount why cut payment off list I do pay them on time but don't see really facts this take until next month see really amount. Only use card once. Still all amount same sad see this time fix system right away thank you. My collection dept down by 80.00 still add on to 1,080.00 why take longest get 80.00 off list try fix my credit this poor home and try pay bills on time. Fix system soon.

Sorry some of balance not right paid on time like Kolhs other credit not add on right amount hope they fix problem fast. This chart from this past last month now up date. All bill paid kolhs pay in store but still got old amount take off list out 32. Some cent low down amount on my report.
truth.

An extremely user-friendly app which will help teach even the most clueless of us (like myself) about the basics of good credit health and utilization. If you have bad credit, like I did just three years ago, don’t be afraid to know your number. Just download the app, give them your info, and let them give you advice. The app uses lots of positive reinforcement, acting more like a cheerleader pushing you towards working hard, than a firm teacher yelling at you for mistakes.
That being said, the app and their advice is not a magic wand that will fix all of your credit woes. Pay attention to what they are telling you. Look at your credit health graphs. Do your own research on what constitutes good credit and how to build it and maintain it (YouTube has lots of videos on that). If you do all of this (and it’s not that hard- even a dumba*** like me could understand), then you’ll be on your track to better credit.
Word to the wise: if you previously had bad credit and can spare $200+ for a secured credit card, DO IT. If you get offered the Discover It secured credit card like I was - ABSOLUTELY APPLY. That is what helped me the most.
Those were the pros. Now on to the cons-
The app will often give you recommendations for new credit cards and loan providers as your credit health increases. Don’t just jump at the first offer they show you. Read user reviews. Look up the credit/loan providers and do research on them. The app just recommends stuff based on an algorithm that responds to your personal stats. The places they recommend aren’t always the best. Get the advice of your peers before you pull the trigger.
Also, the app will give you “odds” of being approved based on your score. These odds are not a sure thing. You may apply, be rejected, and lose a couple of points on your credit because it counts as a “hard inquiry.” If you are going to apply, make sure your score can stand losing three points per inquiry. If it can’t, continue to make your existing payments on time, and wait until it can take that hit.
At the end of the day, your credit health is entirely your responsibility, but that being said, Credit Karma is an indispensable and easy assistant on the road to good credit health.

first off let me say. There is NO CUSTOMER SERVICE PHONE NUMBER TO CALL THEM. if you have an issue with ANYTHING.. you will be prompted to email them through a site.. and YOU WILL BE FORGOTTEN ABOUT.

I signed up for credit karma like anyone else, to monitor my credit. After a few months found out they do tax service. Tried it. Not to shabby.

Further down the road.. i change phones and numbers.. and realize at some
Point i need a copy of my TAXES which i filed with credit karma.. upon logging in i go to tax documents and im told i need to change my number but wont let because i need my old number.. i get sent a prompt to verify my id with my drivers license.. multiple attempts and it still doesnt accept my ID.. then im prompted to email them BECAUSE THEY HAVE NO CUSTOMER SERVICE NUMBER.

I look up this obviously convoluted situation and come to find out EVERYONE WHO HAS HAD A CUSTOMER SERVICE ISSUE NEVER GETS ANY HELP. It always fails on ID scan. FOR EVERYONE! Everyone is then prompted to email them. And then they forget about you. You get a few robo emails with no solution and they hope you just forget about it in frustration and just go away

ITS GOING ON DAYS NOW AND I HAVE STILL YET TO GET MY OWN TAX DOCUMENTS FROM THEM.. AND NOT ONE EMAIL AT ALL WITH A SOLUTION FROM THEIR “CUSTOMER SERVICE” DEPARTMENT..

Stay away from these shady people

Edit for response:

Why should i have to publicly display my case number FOR YOU to do your job.. in REVIEW FORMAT SETTING.? So i can help you get an “atta-boy” with the obvious “hey look at me i helped” facade this reeks of? No thanks. Why don’t you acknowledge the FACT you have no inclination to help ANYONE. GO FIND MY EMAIL I SENT YOU AND DO YOUR JOB.. IM NOT DOING IT FOR YOU.. Why don’t you respond via the original route in which you INTENDED ME TO? WHY DONT YOUR MEASURES FOR SECURITY EVER WORK? ITS NOT AN ISOLATED INCIDENT.. ID SCAN NEVER WORKS AT ALL FOR ANYONE. why do I have to do YOUR WORK FOR YOU? And guess what!?!? Checked my actual email and STILL NOT A SINGLE RESPONSE FROM ANYONE FROM YOUR COMPANY. you guys are absolute garbage. Do your job. Fix your app and stop selling everyone down the river like you are helping them.. absolute trash.

I've been using Credit Karma for a couple of years now and I have to say, it's been a rollercoaster ride. When I first signed up, my credit score was a dismal 490. But with the help of Credit Karma, I was able to get my finances in order and make every single payment on time. I even paid off all my credit cards every month! And it paid off - my score started to climb and I was finally cresting a 700.

But then, disaster struck. My credit score dropped not once, but twice, by 25 to 35 points each time. Now my score is in the mid-600s, which makes it pretty tough to buy a house. I can never trust that my timing is right because my scores are all over the place. It's frustrating to say the least.

What's even more frustrating is that the information on Credit Karma contradicts itself. I've made hundreds of on-time payments, but my derogatory length of credit usage has changed multiple times over the years. How is that even possible? I've watched this religiously, daily, and it's just not making sense.

I worked hard to get my credit to a decent place, only to have Credit Karma and the three bureaus make a mockery of credit. They take away 40 points and give back 7. It feels like a pay-to-play system, and it's not fair.

I know Credit Karma is a free service, but that's no excuse for the inconsistencies and frustrations I've experienced. There are many factors at play, but it's still frustrating to see my hard work undone by something out of my control.

I hope Credit Karma can address these issues and provide a more reliable service in the future. Until then, I'll be keeping a close eye on my credit score and doing my best to stay on top of my finances.

Oh my goodness, I had a terrible experience with Credit Karma. I have been working so hard to fix my credit and was excited when I received an offer from them for a loan option to pay off my debts, consolidate them, or just use the loan for general purposes. I logged in to see what my options were and read carefully that getting pre-approved would not affect my credit score. I thought, "Great, let's see what I can get!" I answered three questions and then it happened - my score dropped 58 points! I was so upset that I ended up having a panic attack and had to go to the emergency room. I couldn't believe that Credit Karma would do this to me. It just didn't seem realistic. I will never, ever take advantage of this offer with a 27% interest rate. Beware, everyone! If you think you're just doing a pre-approval, they trick you into filling out the application itself. Even though they sent me an email earlier stating that it was only a pre-app, my score still dropped significantly. I'm praying for strength to get through this and I promise to tell everyone about my experience. I'll fight until the end, even if it means dying to get my story out there.

So, I was really excited to use Credit Karma (creditkarma.com) to help me keep track of my credit score and finances. I had heard great things about it from my friends and family, so I decided to give it a try.

At first, everything seemed to be going smoothly. I was able to sign up easily and start tracking my credit score right away. I even got some helpful tips on how to improve my score and manage my finances better.

However, things took a turn for the worse when I tried to cash a check that I had received through Credit Karma. They told me that the check had been sent on July 7th and that I should expect it to arrive at my house within 7-10 business days. They even gave me a specific date, July 21st, and told me to call if it didn't arrive by then.

Well, the 21st came and went, and the check still hadn't arrived. I called Credit Karma, and they told me to wait another 24 hours and call back if it still hadn't come. I did as they said, but the check still didn't arrive. This went on for several days, with Credit Karma telling me to wait 24 hours each time I called.

Finally, I asked if they could reissue the check, but they refused, saying that it might still arrive. They also told me that they had no information available and that the issue had been escalated to their highest team. This was the same thing they had told me back in May when I first reported the problem.

I asked to speak to the highest team, but they said they couldn't connect me or give me any information. I'm at a loss for what to do now. It's frustrating to have to wait so long for a check that may never arrive, and it's even more frustrating to feel like I'm not getting any help from Credit Karma.

Overall, I'm disappointed with my experience with Credit Karma. While the service itself is helpful, their customer service leaves a lot to be desired. I hope they can improve in the future and provide better support for their users.

Got a new iPhone couple months ago and ever since could not log back in the app nor website . Support is utterly useless.. and I mean more useless than a wet paper bag in a rain storm. All they do is send you the FAQ from website even though none of it applies to me. No, I am not using a vpn nor am I outside the US. Get ready to say that over and over. Finally they’ll just say seems our security software has unfortunately caused this. Then no solution.. no nothing. I can even do forgotten password, change the password and when I try to log in using new password same problem over and over (though it lets me change the password!). I have reset password and tried from desktop, mobile browser and app.. no luck. Credit karma is unreachable error on app. Credit karma is having technical issue please try again later on desktop browser. Tech support .. more like canned generic response or automated send of FAQ. Can’t even delete my account if I wanted. Truly a disastrously run app/company.

*My support / case number : [protected]

I have contacted support multiple times and same run around. Let me reiterate; I am in the US and Not using vpn. Also the FAQ section doesn’t help as I have done all that and none of really applied me. So stop sending that useless FAQ section over and over.

I have used CK for years. When I first got it it was awesome. The scores were accurate, and you could dispute things right from the app. Now though, the scores are off by more than 50 points. My thought is that CK gets paid every time you click their ads to sign up so the lie about your scores so you get a credit card or loan off their site. After an update almost a year ago I had something disputed and it still hasn’t gone away to where I can dispute something else. I have called TU and they said it’s been settled. CK is no longer a good tool. Remember, they are not the only company that does this.

EDIT*** In response to developers reply, I understand that there are different scoring methods, but two of my credit cards show a hundred point difference as does my mortgage lender. If your scoring method is that far off and outdated, maybe it’s time to go to a more recent scoring method.
And I have been in contact with credit karma numerous times about the dispute issue. The response is always the same. It’s on TransUnions end. They always tell me the dispute is on credit Karmas end.

I love credit karma, but you boost scores in order to sell the credit cards advertised on your site. Read any recent reviews about CK and see for yourself. I am not the only one who has this kind of difference in scores.

Beyond the novelty of being able to monitor your credit rating from the various reporting agencies, and challenge credit items in app, this app has been worthless to me.
Following Credit Karma's suggestions has had no effect on my rating, with no explanation as to why, and no way to find out. The credit coach just gives generic suggestions which are never relevant to what I'm looking for, making it a total waste of time.
Yesterday was the final straw.
My only goal has been to raise my score 20 points. I've been treading water, while not using my credit cards which have minimal balances and perfect pay history.
So yesterday I get an email notification: Congratulations, your credit score has improved. Clicking the link took me to a page which announced that my score went DOWN 7 points. Huh? Clicking the details showed that I lowered balances on two cards, but added a whopping $200 in charges on one card.
Looking for an explanation, the suggestion I got was to apply for more credit and make timely payments. Of course I was shown a page of CC and loan offers from their affiliates, featuring insane interest rates in excess of what I could find on my own, with my present rating.
I can't imagine how anyone looking for guidance in raising their credit score could give this waste of space more than two stars.

This is the second time that I’ve done a promotion through Credit Karma that they said they would pay me some money as soon as I had completed it and once again I’ve had to call and talk to customer service they say they don’t even know what the promotion is I take a screenshot of it makes no sense as I did it through the app this promotion was letting them track you and you’re driving habits for a certain amount of time and instantly you get $25 and your spend account still haven’t seen that money and I keep asking for screenshots whoever takes a screenshot of a promotion that an app asked you to take part in? because you need proof later maybe for them but most apps just honor their promotions that one before that was a promotion that if I opened a checking account and savings account and funded a dollar in each I get $25 in my account I had to fight tooth and nail for that they told me the same things we don’t recognize promotion we need screenshots and finally because I hassle them so much they actually did what they said they were going to do and gave me the money to be another negative is there odds for credit approval they’re promoting upgrade for a while which would just turn 1 million people down after being preapproved and all the outstanding yards end up dinging your credit report get it together credit Karma

The Credit Karma app is nice. I like the interface, it’s a lot easier to browse and navigate than it used to be. However, there’s one thing that really bothers me about the app..

I was in the middle of copying some basic contact details for Equifax, because I need to contact their customer service next week. However, after switching over to the Contacts app, which was very brief, I switched back over to Credit Karma, but instead of displaying the page I was on - an internal Equifax webpage (but presented to me through the Credit Karma app) - I was brought back to the main Credit Karma app homepage.

Normally, I don’t even bother with writing reviews, because there are usually more than enough already. But this one was completely called for.

If the developers of this app actually read this comment (which is one of my goals here), I really hope they will consider fixing this issue in the future. To be honest, every other financial app I use - whenever I switch between apps - they either prompt me for an app-specific custom PIN, or I am prompted to use FaceID/device PIN. Being that I was logged into Equifax via Credit Karma, this additional request for PIN/faceID would be helpful and secure.

Once this issue gets addressed, I will gladly change my rating AND review for the better, as this is my one and only chief concern with using the Credit Karma app.

Thanks for reading!

Honestly customer service was bad have not got my issue resolved and no update through email about my situation. Iv been told to have another bank to transfer funds and honestly might as well have. I requested a new debit card cause I stupidly misplaced it thinking it was lost (my mistake ). But when I found it, I called to see if they already sent a new one debit card. Provider told me I had to do it myself by going to the app or computer and go to setting. But guess what, the setting both on the app and on the computer was faded out, I can click on setting even when I restarted it and updated it the link,app,phone…I can’t get it to work. Then I informed on my email that the case was closed cause I haven’t spoken or emailed the tech support? Really I have called several days straight to know what is the update on my debit card! Everything was going last year but this year I wouldn’t recommend this online bank to anyone. Also credit karma can’t send a new debit card to me even though they have access to my account info , my debit card last numbers, transactions like really? I have to get a response from tech support about having access to settings to then request it myself a new card that can take up to 7-10 business days? Instead of having the ability to send it themselves once a member call for such issue comes where the member can’t request it themselves? Honestly just frustrating

Seems like there is a too much time fluctuation in balances and also inconsistencies . If a person temporarily puts something on a card, it seems the scores go down immediately whereas if one pays the card down, it has to crawl back up the chart at a snail’s pace. Also, one has long term debts as well as credit card debts that affect one’s score. I’ve noticed one might pay a lot on a long term debt and affect his score very little in comparison as a credit card debt. Granted, more than likely, this debt is spread out over time, but if one pays off quicker, the score should follow quicker. I also, realize the situations I mentioned are more just passed along as the rating companies do as they want, but it still adds to or takes away from the working experience on CK’s site.

Adding to the above review, which obviously doesn’t get read anyway, I have a card that I use that has no credit to it whatsoever— I get paid on this card and transfer money from it as I use it to purchase things as one would with cash. Anyway, my card information was compromised and I had to utilize “credit”cards until a new card was issued and the situation was addressed. Of course my score took another hit because that’s the way it works. It immediately goes down but takes forever to go back up even if the card is immediately repaid. Exactly, how can a person use a card and not get punished even if he pays off often?

Added comment 04/17

Thank you to Credit Karma for a response to my post. I have to correct what I previously posted. After looking at the list you sent me of tax forms your accept it wasn’t the 1099-sa as I mentioned it was the 5498-sa. I know the form isn’t issued until the following year after Apr 15 but there was no place to enter my current year contributions to my HSA. Since I wasn’t able to input that (maybe I was doing something wrong) I had to go to Turbo Tax. I wish your support team would have been able to help me with this.

Thanks again. I’ll try again next year.

—-

This is a great app. So much so I tell everyone I can about it because it truly is free unlike the others out there. Also I love the new feature of informing us of any compromises we may have.

Reason the app is not getting 5 Stars is because for the second year in a row I wanted to complete my taxes through Credit Karma but the HSA form 1099-SA was not available for me to enter. I even contacted support this year and they told me they don’t allow for that form. There has to be a lot others out there that have a Health Spending Account.

Can’t understand if the app says free reporting for both state and federal no matter what my status and here I can’t because they don’t allow people with a HSA account to use it.

Hopefully I’ll give it another year and maybe just maybe they will get with the program.

While it can be a way to track your general credit status, CK uses vantagescore, which isn’t appropriate if you’re actually trying to do something beneficial for your financial situation, like paying off debt.

This app is riddled with paid advertisements from credit companies, banks, and lenders. It should be clear to anyone with half a brain that this app’s ultimate purpose has nothing to do with the consumers’ best interests. It’s created and maintained by a company who receives most of its profits from banks, lenders, and creditors by enticing consumers into taking on more debt or opening additional lines of credit.

It approached predatory, how they present credit, mortgage, or personal loan offers to you. Heaven forbid you click on a link in search of more affordable auto insurance, or you’ll be subjected to a dozen phone calls every day from ravenous insurance salesman.

If you’re just looking to keep an eye on your credit report, or using it’s free features, then sure I can see value in this. The caveat, is that you’ll be inundated with ads for bad financial advice. If you’re trying to get out of debt, don’t fall into the trap of opening a new loan account or credit card.

Remember: independently wealthy people don’t get there by using credit cards! Be smart! Change your lifestyle! Take back control of your money and give a big middle finger to the corrupt and predatory credit system pervading our society.

Few things. First Credit Karma may give you “some kind of idea” where your credit is. But it’s not accurate. Second they have a feature where you can use credit karma money. I had it for around 7 months. I opened it when I did my taxes last year as credit Karma and Turbo Tax partnered up. Well I had my paychecks set up to Credit Karma Spend. I received my first check. Didn’t receive my second. I called Credit Karma they informed me my account was locked. They told me they would have it unlocked or contact me in 24 hours I emailed them everyday for a week and they had not fixed it. I couldn’t get a new check until my account was closed or unlocked so I had to close my account. I tried to open a new one because again I HAVE to have one for tax purposes. They informed me they can’t open a new one or the old one. “It’s just the way they work.” My fiancé as soon as he set up his tax refund to go in there received an email saying his account will be closed in 15 days with absolutely no way to now change his tax stuff. So we will have to wait for months for him to get his refund. They have the WORST customer service I have EVER experienced. Which is my third thing. Their customer service is awful. They won’t let you speak with a supervisor immediately. They have to “contact you back.” And then they never do. Stay FAR away from credit karma. And until Turbo decides they aren’t partnering with Credit Karma stay Away from them.

I tried to get on the app a few months ago for obvious reasons but the app somehow logged me out which was strange but it's fine because it's me and I know my email and password no problem. The problem came when they said they couldn't verify my identity. Strange considering I had just input my last 4 a week earlier to make the account on the app but okay I'm me so I don't see the problem. Yet. Then it prompts my camera and asks for a picture of my license. Okay, strange but sure. 6 pictures later and it locks me out saying it couldn't verify the ID. I didn't stand at the DMV for 3 hours for a fake license but okay. I sent an email to the email address the prompt gave me and I immediately got a response saying that the email address wasn't one I could actually email. A little frustrating but okay I get on the website itself to find the actual email and I find out it's all through the website. Okay, fine I fill out the form and send it. It's been about a month and I haven't heard back from them yet. I emailed them again today thinking I was got sent down to the bottom because of new complaints that have piled up over the last month and I actually found that a lot more people than me have had unpleasant experiences with this app. An astounding amount. Don't waste your time ask your bank for a report instead. Probably more accurate than 2 of the 3 reporting bureaus anyway. They'll probably reply to this before my email from a month ago.

I never write reviews but I’m so frustrated with their customer service regarding my issues it has to be done.

TurboTax had suggested I deposit my return to credit karma as it should arrive sooner than normal banking deposit. So I did. I requested a new debit card because I never used my old one and it was miss placed. Waited almost 3 weeks for it to come in. When it did the debit card numbers were the SAME AS MY OLD ONE! therefor it could not be activated. When I called asking them to expedite a new card they argued with me and refused the first time. Called back they said they put it through and it must be reviewed but I was able to use my digital card for the time being.

The digital card was accepted on things like Amazon, however when I went to pay off debt and bills the payment would say processed and give me a confirmation number BUT WAS NEVER ACTUALLY PAID. upon contacting the bill companies they said they had no records of the transaction and I would have contact credit karma.

When I did they could not understand what I was trying to say, they constantly read from a script and when I asked the about the status of my physical card I was told there was no records of me ordering a new one. It has been a complete nightmare to say the least and I will refuse to use this system again.

It is unfortunate because I’ve used it for building my credit up for years absolutely loved it! I am extremely disappointed and it was made very clear they do not care about customer’s problems or concerns nor are they willing to help in the slightest way!

Boy this thing was 60 points off on my score. I get that they approximate the score but 60 points off? I was using it until it came time to actually apply for credit. I decided to pay for the actual score and found that my score was 60 points higher.

Response to developer:

Really? Then you’d better have a talk with those credit bureaus cause I just checked your app again and the score in your app is still 60 points less than the score I got from Equifax just yesterday.

On top that, the link you posted is to an article that talks about different scores from bureau to bureau. It did not educate me on why I’m seeing a score that’s 60 points lower on your app.

Makes me wonder if those high interest credit cards that you recommend for people with “low scores” provide a larger referral fee to you.

My recommendation: if you are going to use your credit for a purchase, just go right to the source.

2nd Response:

That is a better answer. After researching numerous articles, I’ve learned that Vantage and Fico can be VERY different. Like 60-100 points different...especially if you’ve modified a mortgage in the past. Fortunately most banks still use Fico scores which has helped me to receive the credit I needed. Credit Karma uses Vantage Score.

Knowing the difference is important because lots of people get blindsided when applying for credit by putting too much trust into Credit Karma.

I asked the lenders which bureau they use and will also ask in the future if they use FICO or Vantage.

My only wish is that getting the info wouldn’t feel like pulling teeth.

They really don’t do anything to help you when someone is scamming your credit report with a fake or not even your negative report. And I’ve followed all their links to report the fake negative review put against me and nothing.

They still allow this company/lender to sent in false report on me every month which is affecting my credit score. Credit karma could stop this since they allowed them to repost a false report on me every month for a personal loan I NEVER MADE! And they don’t even have the paperwork with copies of this state’s requirements to give out a loan with.

To give an idea how they don’t care about their customers in this app, this has been going on for a few years and in the report against me it even states the false loan was wrote off a couple years ago. But Credit Karma still lets them post false reviews on me to keep my credit rating low.

And when you ask someone through the emails you get day to days later from C Karma you get the strong feeling that they really don’t care, and if ask them if this was happening to them what would happen.. nothing back. I bet it would be resolved that day it happened to them.

OTHER THAN THAT, this app does have some good things in it. But they do have the vin#’s of my vehicle and my family’s vehicles for some reason and I can’t get any of the family’s vehicles removed from my information even though I don’t have anything at all to do with those vehicles. It even shows what was paid for them, how much the payments are and how much is left to pay off. I don’t and my family members don’t need to know all this information. March8-2022

My score dropped 33 points with Equifax and 59 points with TransUnion. I select see what changed and it shows I paid down a credit card by $2,563. Not sure why my score would drop for paying down an open account. In addition, my debt to ratio on credit cards is 17%, I have NO new charges and NO new open accounts. So at this point I’m at a lost for words.

The purpose of me using this app was to keep an eye on any new changes and be vigilant on of my score regularly.

However, if the app isn’t going to accurately show me what has changed and an explanation of why there is drastic change in my score, what is the purpose of my using it?

Additionally, I have read the developers response to some reviews and the response states “Since we don't calculate your scores (only credit bureaus have that power), we can't say exactly what dropped your score. Credit scores are complex because they are based on many different factors and can change for unanticipated (and oftentimes unclear) reasons.None of us want to open our new credit report to see a drop in our score
(especially when it isn't clear why) so I can understand your frustration.

If little brother (Credit Karma) is watching big brother (Equifax and TransUnion) and is responsible to report the news (see what has changed), then assist the consumers and report the news accurately, (Tell me what has changed so I may make an informed decision on what to do about the change).

Yes, the app is free, but if I need to contact Equifax and TransUnion directly to see what has changed (and pay a fee), I may as well use them and delete this app and also inform / encourage ALL I come in contact with to also delete the app.

Please make it make sense.

Update: Response to contact about the issues below. Unfortunately, their is NO information on contacting a supervisor or complaints about customer service. Hence, I have locked my cards and transferred funds out to a far more customer friendly, far more responsible bank. By all means, use for credit scores. But I strongly discourage anyone from opening a credit or bank account with them.
—
I have used them for my scores and finally decided to open an account. Biggest mistake EVER! Do not use them for checking! It takes forever for deposits to show. Debits show instantaneously. I made a mobile deposit and it said it was good. Two days later and after I cut a check on it, it wasn’t accepted. Why? Because I didn’t specifically write, “mobile deposit credit karma”. What? I chat. Nope. Won’t accept. Then I find out my first house payment at a brand new home is rejected because they failed to clear my check…. Not because the check was bad but because I made a mobile deposit on my mobile phone to credit karma but didn’t write on the check that I was making a mobile deposit on my mobile phone. WTH? First I chat. Nice enough but can’t do anything and tells me to call. I call and get Drey who refuses to give me her employee ID and REFUSES repeatedly to get a supervisor! Then I get Sandy who hangs up on me upon requesting a supervisor. Chat said they would transfer and then disconnect. The WORST customer experience ever! Never in my life, and I’m elderly, have I had such an incredibly horrible experience. I’ve just finished writing and submitting a complaint to the FTC. They’ve lost my business. I definitely don’t recommend this company. Save yourself a major headache or worse, just say no.

My Trans Union score from Trans union is 35 points more than what Credit Karma says. Credit karma is trying to push secured credit cards to me when i just got a new credit card with a $500 dollar credit limit. they say i can get a car loan for &”$13000 when capital one just offered me yesterday a pre approved car loan $4000 -7$55000 dollars. Aspire credit card is railroading me and trying to ruin my credit score by posting every single day im delinquent and derogatory and i owe them $400 and out of the blue they started charging more money on my account to $700 dollars Trans union fixed it . i tried to pay Aspire and i got a pop up saying that i am not authorized to make a payment and i have a screenshot. Credit karma asked me why i owe $180 to credit one . i just got the credit card last month and it not due till February 3 and i pay my entire balance every month on all my credit card’s and not secured ones either. i’ve had capital one for 3 years and my they other credit card 6 years they don’t even know i own a house and its paid off. my state declared an emergency during Covids beginning and no one was allowed to work except emergency people and groceries stores i didn’t work for months every credit card company screwed me except Capital one and they didn’t ditch me and put rotten stuff on my reports. rich selfish greedy people . credit one ditch me and 2 months ago they offered to give me my credit card back and i haven’t paid them totally back yet. only because experion asked me why i can’t pay my credit card’s and they let me put my reason on my credit report for all to see . covid was a national disaster and that’s what i said . don’t take credit karma seriously they are just way off