Is Credit Karma A Scam or Legit Free Credit Scores?

The old maxim, “If it is too good to be true, it probably is,” holds up especially well in the world of personal finance. The concept of getting free credit scores has been mined by con-artists and scammers repeatedly. Unfortunately, many of these scams are perpetrated by well-known companies and by the credit reporting bureaus themselves. So, is there a Credit Karma scam?

Who Owns Credit Karma?

These days, Credit Karma is owned by Intuit. Intuit is the maker of popular tax software TurboTax, as well as QuickBooks, and some other finance software. Until recently, Intuit owned popular online personal finance software Mint, but like Microsoft and Microsoft Money before it, Intuit couldn’t figure out how to stop losing money giving people what they want. Instead, they closed down Mint and sent (or attempted to send) its users over to Credit Karma, which isn’t really the same thing at all.

If you got here to creditkarma.com via mint.com, you’ll need to take some time to get to know the new setup. In the meantime, we are talking about credit score scam types if you want to stick around.

moving from mint to credit karma

How Free Credit Score Scams Work

The free credit score scam usually goes like this. A company offers to give you a “free” credit score. To get your free score you have to sign up. If you don’t read every word on the screen or printed on the page very carefully (especially the ones in fine print), you might think that you are just signing up to get a free credit score.

Gotcha!

What you are actually signing up for is a “free” trial membership in the company’s credit monitoring service. The trial is free for 30 days, or 90 days, but at the end of the free trial, you automatically subscribe to the fully paid subscription, which automatically renews.

This is why you had to enter a credit card number when you signed up. If they actually had to collect money from you at the end of your free trial, everyone would say, “No thanks.” Instead, they use that credit card to automatically bill you. Most of the time, they bill you for the whole year, in advance, all at once. That way, by the time you notice it on your credit card bill, it is too late for you to back out and get a full refund and since there is no way you want to legitimately subscribe to the service, they get you for 12 months instead of one month.

Worst of all, is that they will automatically renew your subscription when it expires, so 12 months later when you’ve forgotten all about how they screwed you over in the first place, they can do it all over again. It stinks of fraud, but all of the “disclosures” are made (again in tiny print, or buried in a six-page document), so technically it passes legal muster.

Credit Bureaus Credit Score Scams

Transunion, Equifax, and Experian all pull this marketing scam on their own websites, right next to the part where they try to trick you into getting your “free” credit report that isn’t really free either.

Don’t forget you can get a real free credit report every 12 months (that’s once a year) by law. Don’t ever pay or subscribe to something to get your legitimate free credit report.

Tip: If you have to enter a credit card number, you are getting scammed. Real free credit reports DO NOT require you to enter a credit card number at all.

Free Credit Report from CreditKarma Scam Too?

Knowing all of this about how credit scores work and how credit repair scams an the like go down, I ignored the offer of “free” credit scores from Credit Karma. Scam, scam, scam, I thought.

But, then, I read a write-up about Credit Karma by a financial journalist that I happen to trust and respect. (It is a very small club.) That got me wondering about how it could be true that Credit Karma gives you your credit score for free.

With a legitimate financial writer’s endorsement in mind, I decided to try out Credit Karma. However, I did it very warily.

First, I signed up for a new email address to use so that I would know if Credit Karma sold my email address or spammed it with credit card offers.

Next, I obtained a one-time use online credit card number from one of my credit cards and set the amount to $1 (the lowest allowed) and the expiration to the next month (the shortest allowed.)

Then, I went to Credit Karma’s website at www.creditkarma.com

(There is no link, because I want readers to know that I do not get any sort of kickback, payment, or referral bonus for this review of Credit Karma.)

Continue here to see my full Credit Karma review and find out if Credit Karma is safe.

If you are looking for a Credit Karma tax review, it’s over here.

137 thoughts on “Is Credit Karma A Scam or Legit Free Credit Scores?”

  1. Credit Karma isn’t a scam but, and it’s a big BUT, what they report to you is from 60 to 90 days behind what is actually on your credit record so it’s usefulness is not worth the tons of spam mail you get suggesting credit cards to apply for, and while you can opt out of the mail the alerts are just as slow in coming so not much use at all.

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  2. We are Canadian and signed up for Credit Karma two years ago. We were not asked for a credit card but did ask for our SIN. We have never been charged for their services. The reports show our credit history and who has checked our credit. If the score is not totally accurate you can check with your bank, after all if you needed to know you would have to do it anyway. I encouraged my son to sign up, his credit is a disaster. I think it will give him incentive to improve it when he can easily check his progress. It’s worth it just for that purpose. This has been our experience…positive.

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    • The credit karma advertisement is really insult to the intelligence of anybody, who has a little brain left. Maybe a little sniff of marihuane??????

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  3. I forgot my password on Credit Karma and am caught in a total revolving loop…they send me a link, which when clicked, sends me to the same page that asks for my email, then I get another email that sends me a link to the same page that asks me to enter my email…Loop.

    Finally I get a message, after sending an email to Customer Care (joke) that says they need my address et all to reset it…then they send me the SAME LINK to enter my email…its a data mining scam…they don’t need to charge you if they sell your data…I have nothing to hide, I owe nothing, but something stinks…I will be trying to find a way to block Credit Karma from accessing any of my credit info.

    I say…don’t do it. Just write the three credit companies for a copy of your credit report.

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  4. I used credit karma to check my credit score to buy a motorcycle, Credit karma showed I had 645 on my credit score , When I went to buy my motorcycle and finance they told me the credit score was 612! So therefore I got a bad interest rate on my finance ! So my question is did I get scammed by my financial institute or credit karma ! So what score are the financial institutes going on !

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  5. Excellent read. Credit Karma recently came to Canada but is not fully rolled out yet. We just did a video review of Credit Karma Canada. I have attached the link through my name which you can click above.

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  6. What consumers really need to see is the credit REPORT. It’s nice to know your score but what counts is the substance of your credit file.

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      • Finance Gourmet, you are definitely on the take. You defend Credit Karma and the credit reporting industry vigorously. The entire credit/ credit reporting system is an absolute scam and tantamount debtors imprisonment. Our economy is driven by debt and keeping people in it critical with credit reporting at the foundation. There is no profit from someone who pays off their bills or shuns credit so credit scores are used as the bait.

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        • I’m glad you think I have enough power for anyone to want to put me on the take. The reality is I don’t like the credit reporting industry and think it is absurd that people should have to pay for their own credit report, but lobbyists, with way more money than I, like it that way. That being said, this is not a place where I try to rail against the injustice I (or anyone else) sees in the system. Rather, this is a place where I try to help people with the reality that exists today. That reality works best for people when they understand it. Hopefully, this article helps them understand this one piece a little better.

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        • Ohhhhhhhhhhhkaaaaaaaaaaaaaay… And what do you presume the writer do about that, without advising people to shoot themselves in the foot?

          Regardless of how one feels about the credit bureaus, etc., they still exist, and credit reports are still used in a manner that greatly affect our day to day lives.

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      • There’s nothing that shows up on my official ones that doesn’t show up on the ones provided through CK.

        It’s possible that’s something that changed between your writing this comment and now, but that’s how it currently is.

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  7. CreditKarma Acquires CreditZenga For Up To $9 Million Today Expanding To Credit Cards

    Jessica Wendigton
    July, 17, 2015 – 2:03 PM PDT

    Credit report info site CreditKarma is expanding its financial product listings, as it’s acquiring CreditZenga.com, which provides firstly credit card applications secondly it provides info on deposits, savings accounts, and money market accounts. The company will pay $6.5 million up front, with another $2.5 million possible earnout over the next 12 months. CreditZenga sole employee Dion R. will assist in the transition and remain for an unspecified period of time. Credit Karma, of course, is exposed to some of the nastier aspects of the economy, since only providing credit reports, Credit Karma CEO Announced this morning the expansions of financial products threw Credit Zenga. A conference call will be held at 5:30 PM ET (details in the CreditZenga Blog).

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  8. I subscribed to CK’s service several months ago. I requested their so called service numerous times. To no avail. Now i cannot get on their so called service site.
    Credit Karma is PHONY and an Internet Scam Artist.
    I cannot even contact them to cancel my so called device.
    If by some remote chance a CK rep reads this—TAKE ME OFF YOUR MAIL LIST.

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  9. Yes a scam, I tried and they wanted Credit Card information, and yes from others they give you a made up score. Nothing is free, sounds too good to be true, most likely it’s not.

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  10. I tried credit Karma and after I but in all the information that they required, I was told that I needed to sent them all sorts of additional information in order to get my score, such as my Drivers License. Birth Certificate, etc.
    Sounds a lot like a scam to me.
    Unfortunately they now have my email, cell phone number and birth date.
    Now I expect the spam email and phone call solicitations will commence.

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  11. I have used credit karma for over two years and it hasn’t cost me anything at all. I have never had to put in my credit card number and have never been asked for any money at all.

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  12. I just found a flaw with this CreditKarma. The hubby kept using it for the past year, and started getting collection letters from companies he supposedly owed money to over 6 years ago (due to identity theft). I pulled his TransUnion. Nothing on that report matched what Credit Karma said. From recent due diligence, credit Karma may access old credit reporting on a person, and sell that outdated debt to other third parties – who are not too savvy in nature. I researched that company too. Come to find out, the company trying to collect on a debt shown on his CreditKarma is known to go after such very old debt and harass people until they pay. They offered to settle a alleged $1000 for $300. This is just a word to the wise – nothing in life is “free”.

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    • You are absolutely on to something here. I had an “AHA” moment when I read your post. I just signed up with Credit Karma a few weeks ago. Since then, my mailbox has been filled with credit card offers up the WAZOO. Then a few days ago I received a letter in the mail from a (bottom feeder) collections company regarding a debt I settled over six years ago, saying that I still owe the full amount. I thought it was odd, but now I’m sure it was because Credit Karma sold my information to them and who knows how many others? You get what you pay for right? Oh, and I haven’t been able to cancel my account either. Every time I try to sign in the link is broken. I should have followed my gut on this one and not signed up. I’ll be debt free in less than a year and will pay cash for everything. Credit bureau’s can kiss my arse.

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  13. Hey, Jason from Game Informer here. And I have a single question. How are we supposed to know that you are a manager or worker from Credit Karma, and how are we supposed to know you’re not being paid or threatened to tell us all of this?

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    • I guess there are a few ways to know.
      First, this website started a few years before Credit Karma.

      Second, there are hundreds of articles on this website, about 5 of them are about Credit Karma.

      Third, I AM a professional writer and this is not how you write shill content for a website. They would want it to be more positive and contain more “call to action.”

      My advice, both here and everywhere on the internet, is to do you research and then verify with other sources, or by trying it yourself. Then, remember where you get trusted information and check there first the next time you need something. For example, as a not-shill for Credit Karma, there are tons of articles on here about retirement planning, education planning, banking, and so on.

      Hope that helps.

      Reply
    • Hi, Jason from Game Informer.

      I also have a single question: how are we supposed to know that you’re not paid/threatened to provide the reviews that you do?

      After all, as a supposed industry-professional, your mind sure went there awfully quick with no evidence. Almost as if you expect it, based off your own experiences working on a review website.

      Reply
  14. i thought is was free untill i got charged for two months without any refund.so, if u think i am joking give them your credit card number.dont say i didn;t tell you.why would u give them your credit card number otherwise.save yourself some grief….

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  15. Credit Karma is a complete SCAM!!! Their troll employees are all over the web writing “independent” reviews of them but I assure you they are a joke. After you sign up with them, they will lock you out of their site so you cannot close your account. I assume they sell your personal info to 3rd parties to make their money. They have already settled a large government lawsuit regarding not protecting personal info. DO NOT do business with these thieves.

    Reply
    • For whatever it’s worth, I am not an employee of Credit Karma, and I am the only one who writes posts on Finance Gourmet. (This site existed long before Credit Karma did). Also, the settlement you refer to was about the company’s mobile application not properly securing data. Fandango, the movie ticket website, was part of the same settlement. If you want to read about it, here is the official FTC information about the Credit Karma settlement.

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      • If they’re accusing you of being a shill, they’re past the point of believing that you’re not a shill.

        You could show them your tax returns and paystubs, and they still wouldn’t believe you.

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  16. They want you to buy their services to improve your score.

    The site showed Transunion remarked how I am high risk for making house insurance claims.

    I wrote to Transunion and asked for the list of claims I’ve made in my 55 years. What a crock!

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  17. Okay I’ve tried both Credit Karma & Credit Sesame, and I prefer CS. CS has a more natural user interface (which is just a personal preference), but they also offer free identity theft insurance. I haven’t found anyone else that offers this service for free.

    Reply
    • They pull your credit report. They need your SSN to do it. It’s a pretty big, long, con if the only goal is to get your social.

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    • I dunno–how safe is a credit card application, a mortgage application, a rental application, the bank, the DMV, the ER, your doctor, etc.?

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  18. They took me for a fool I hope after I get in touch with CNN they cancel any association with them I have proof!!!!!

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  19. It is not a scam I use this often plus check my credit. With agents every year it’s right on target. Ect and my. Dad. Whoo is a lawyer that deals wth bankrupt people Also say it’s legit

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    • There are however, multiple ways that things get paid for. Advertising is Credit Karma’s current top revenue streams. Still, my grandfather used to always say, “Keep one hand on your wallet, even if they aren’t selling anything.” 🙂

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    • It’s free, they make their money by trying to upsell you on credit cards and loans. As long as you don’t try and get any of those you’re fine.

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    • Just because they’re getting paid doesn’t mean that you’re the one paying.

      “Nothing is free”? True

      “It’s going to cost YOU money”? Non-sequitur

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  20. Oh, one more thing, as a service to people who are hypnotized by the word “free” I feel it is my duty to mention that in 2013, there is nothing “free” Ever. You will pay over time in spam, ads, and come-ons until you wish you’d just paid the $15 bucks to FICO (a real, used by business number, not an educated guess,
    as everyone in the biz knows Experian and Equifax are the only trusted source for CC’s and Mortgages. Transunion is cheap and generally used by used car lots. So its on to the BBB, Facebook, twitter, whoever else I can think of and then the Attorney General. I will never stop until my name and private information is deleted from this suspect, inaccurate, website.

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  21. They are garbage… I have a 740 credit score and this site says its 565??? Yeah right. I guess that’s how they get you… Claim to be significantly lower than what it is so you open new cards to “rebuild credit”. Its a good thing I keep track of mine or else I wouldn’t have known any better. People do your research before trusting this site.

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  22. I’m so surprised at some of the comments because I’ve had absolutely no problem with Credit Karma. I’ve honestly have never been asked for ANY type of payment and I’ve even recommended them to others. I receive me score and updates that are very accurate. I check my credit religiously but they are the first company where I was able to get my score for free. I happy with them so far but if they ever ask for a payment I won’t continue to use them.

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  23. I have one derogatory mark on my credit report. I have asked Credit Karma 7 times which creditor gave me the mark, but they only reply with an automated response — it’s killing me! They have no phone number either.

    I HAVE ABSOLUTELY NO PROBLEM PAYING FOR THIS INFORMATION. Can anyone please direct me to a reliable source for this info???

    THANK YOU DEARLY

    Reply
    • Joe, Credit Karma uses your TransUnion credit report. That information will be on that credit report. You can get one free credit report each year via annualcreditreport.com – This is the site that offers the legally required free credit reports. Do not sign up for any monitoring or other trial offers while you are getting your reports. Choose to get your Transunion report and you should find whatever the negative information is on there.

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  24. Why is it that “Finance Gourmet” has commented on every negative comment about Credit Karma defending them? I mean if Finance Gourmet getting paid to endorse them? wtf dude?

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    • I try to answer the questions I can. A lot of the negative comments have questions in them and I do my best to answer. You’ll notice I comment on a lot of the positive comments too, especially if there is a question involved. I’m just trying to help. This website isn’t big enough or influential enough to be a useful shill for anyone. The only money I get is from the AdSense advertisements on this website.

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  25. I LOVE Credit Karma. First of all It’s FREE and Just the overall peace of mind that if anything in your credit profile changes positively or negatively Credit Karma will pick up on it. So even if the scores don’t exactly match what numbers lenders use or if they are different than FICO.. it’s still a good general assessment of your credit health. And I don’t know if I mentioned already that it’s FREEEEE. That’s worth a lot to a person who feels like a barefoot blind woman walking through a maze made of thumbtacks where credit is concerned. Credit confuses me. I am working to clean mine up and I like that every time I get a positive… Credit Karma picks right up on it. If I get a negative.. they pick up on that too. They’re like the CIA… Credit Intelligence Agency… it’s kinda scary how much they know… but their purpose is to empower the consumer. They provide a great service at an unbeatable price.

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  26. As soon as I accessed Credit Karma, I began getting lots of spam email, for example from Western Union re Payment Notification; from International Police re Your Brother; from Canada Lottery re Attn:Winner; and oh yes from Mr Popoff re Viagara Store. I am getting dozens of these a week. Before I accessed Credit Karma I rarely saw this type of email. I have had the same email address for 18 years. Credit Karma seems to be in the business of gathering information to be sold to spammers, and not just any spammers but the lowest form of life. Has anybody else had the same experience with increased spam?

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  27. They are total crap. They claim they receive all their information from Trans Union. I asked Trans Union and they said they don’t get their info from them. Bunch of liars.

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    • I don’t know who you spoke with at TransUnion (one word, BTW) but TransUnion offers credit reports to anyone willing to pay for them, including Credit Karma. In addition, Credit Karma states prominently on its website and in several interviews with major news publications that they get their information from TransUnion. I would doubt that such a large financial institution, with an full-fledged PR division, would hesitate to dispute such information if it were not true.

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  28. I’ve been using Credit Karma for sometime now and it has not costed me one penny. Yes they do offer other services that do require payment but only if you wish to purchase them and they don’t push it. I was not asked for credit card information or payment of any kind when I registered. I’m sure other web sites will scam you but so far Credit Karma is not one of those. I will however, cancel if I ever am asked for a payment. So far not yet.

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  29. I joined on credit karma and I didnt put a card number down so they will not automatically bill you.There is no fee for their service

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    • Credit Karma is not a scam. U can trully go there and get your score and information about your credit without even putting a credit card number in!

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  30. As the old saying goes there is no free lunch someone has to pay that someone is the consumer.
    Well when I signed on with score sense i did the trial called into cancel got the cancel req # from the CSR he said would be no charge to my account. By the way I went through credit karma score sense was the sight i was directed to. Then when I check my bank acct the next morning there was a charge I called in they said they saw no record of me canceling the acct so I am calling the bank and putting a fraud claim in and will not use these credit services again they are inaccurate each one has a game one says this score another one another. what goes around comes around. credit karma is bad karma they need to stop false advertising I think its a way for them to nget your personal imfo and do ID theft.

    Reply
    • Your on drugs dude! I have had Credit Karma for over 2 years, and not once have I had to enter any credit card or bank account info. Please people, don’t get on here and tell an out an out lie like that. As you can read, to many of us have never paid a dime.

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      • So far I have been very satisfied with Credit Karma. they never asked me for anymore personal information than any of these loan companies when applying for a loan and to the person who complained about being charged to their credit card must be something else they never asked me for any kind of banking or credit card info. so far I have been very satisfied and will be until if anything different comes up but you take chances everyday on anything and thats the way you learn what is good and what is bad. But I really feel good about Credit Karma and unless I hear anything different I don’t believe all these horror stories.

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      • I just downloaded the free Android app and signed up for credit karma and they never asked me for no credit card number at all, they only asked me a few questions to make sure they were talking to the right person , they asked me for my ssn# of course so they can check my credit, but all in all most of the info is 100% correct. The o ly thing that is off is your credit score but it’s free so who cares if the credit score is off. It’s still free and it’s just something do you can look at your credit or what not to make sure your info is correct, I like it thus far. They sent me an email stating that its free and there is no fee , people who are saying that they are asking them for a credit card number are either lieing or they are on a different credit karma

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  31. CreditKarma is a scam too. They use the same technique that this author has described. They use Scoresense. Before you know it, they will charge $29.95/month.

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    • All true in theory. Unfortunately, not true in the real world. It’s required for taxes, any financial account, any background check, rental agreement, many medical facilities, insurance (health, life and auto) and, yes, for any credit report or credit score.

      It was supposed to be for employers only, but Congress never got around to making it illegal to use for anything else, and now too many people use it for too many things.

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  32. I have been using credikarma for more than a year. They seem to have most of the account info correct. However, the scores are way off. Creditkarma says my score is above 750, but mortgage company just pulled my score the next day and all 3 scores are between 670-680. That’s way off.

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  33. I’ve been using it for the past few years and it is a good indicator of your credit health when you are in-between your big three official report pulls. No major problems so far.

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  34. I loged into CreditKarma. I decided not to tell them my annual income but filled in all the rest. They didn’t ask for any information about my credit cards. When I got in…. My major credit card I own was not listed and they indicated I had no cards. I couldn’t find a way to get a “credit report”. None of the above big three sources of credit scores were mentioned. My credit report was only 680 “fair” my payment history was “F” less than 96% on time when it is actually 100% on time. What do you think about all this? I am suspicious. Please tell me what is going on here.

    Reply
    • I don’t work for Credit Karma, so I can’t really say. I know that they use the information on your TransUnion credit report. So, unless the information shows up on that, they won’t know about it. You might want to check your credit report and see what it says. Use the real free credit report website and not one of the sign up for a free credit report websites. Otherwise, I have no idea why there would be such a mismatch. I’ve never heard of that before.

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  35. I have meet with different credit counselors from my bank and they have recommended creditkarma. One thing for sure is the Experian score is the score most companies/financial institution uses when they are assessing your score. I dont think creditkarma has anything to do with the score being off, since if you pull all three scores you will still see a difference between Transunion, Equifax, and Experian.

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  36. Note that there are 2 sites that use credit karma in their addresses, creditkarma and credit karma. creditkarma is the one that is free and I feel, very useful. Not sure about the other one. But creditkarma has good advice and will let you see how to raise your score, which varies according to which of the big 3 companies a report is pulled from. Recently I got a personal loan and my bank sent me my fico score (from experian)which was different (by many points)than another company, (transunion)so there you go.

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  37. I signed up for Credit Karma on Saturday this week. Monday was the first time in 2 years a collection agency had my home number and was chain calling…. The purpose is to see your home information to collection agencies…. I’m in debt because I went to college, there were no jobs once I got out in my field… Now someone wants money from me? What a joke!

    Reply
    • That MIGHT be possible, although that would be a very fast update for a creditor to receive, program, and dial on.

      Keep in mind that any information on your credit report is available to your creditors. So long as that info is out of date, then I guess no one has your number, but if you update it for any reason (applying for new credit, updated with a bank, signing up with Credit Karma, etc…) then creditors will have access to it. If you are trying to not update your info on your credit report, then be sure to enter the same out of date info on Credit Karma that is already on your credit report.

      Thanks for the heads up.

      Reply
  38. This is not a scam. This is a soft credit pull and yes will be different when you actually apply for credit. Why?? Because when you apply for credit you are graded and the score is always different. Soft pulls are typically higher but can be lower. You are never charged a fee the catch is that you will be asked to apply for credit cards etc. on their site.I just delete the emails and love that it is totally free with cc card input needed.

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  39. I use it, gives me some good ideas. But that is right about the FICO score. My FICO score was 35 points higher which put me in EXCELLENT credit. So just use it as a guide.

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  40. Let me just break it down for everyone really quick.

    Credit Karma is a great free service to track the changes in your credit score. I recommend it, it’s not a scam in the traditional sense.

    However, since Credit Karma is NOT providing you with your FICO score (the one that 80% of all lender use) it should only be used as a guide.

    Your REAL Credit Score (the FICO score) could be off by as much as 50+ points in either direction.

    Fortunately for many, Credit Karma scores are often LOWER than your real FICO scores, but not always.

    In our industry we call these FAKO scores and ALL of the “Free” credit scores fall into this category. This includes scores you purchase directly from Trans Union and Experian, plus FreeCreditReport.com, etc.

    Helpful perhaps if you are tracking over time, but not always accurate and should NOT be relied on when making critical credit decisions.

    Like it or not, thems the facts. Get The Facts About Credit

    Reply
    • Thanks for you comment. Even the score you can buy directly from Fair Issac is only ONE of several FICO scores that the company offers. The only credit score that “matters” is the one that gets pulled by the lender at a specific moment in time. Everything else is nothing more than an appraisal or estimate.

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    • Bank of America & other banks will give you free FICO scores every month for FREE!!!!!!!! NOT crap “credit scores” seemingly randomly generated by CrookedKarma.

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  41. I have been using it for a few months now and I was never charged. I seems that it only updates every month but that is not bad for a free score.

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  42. According to the consumner advocate Clark Howard, both creditkarma and quizzle will give you a credit score for free (once a year). It won’t cost you money but there is, of course, a gotcha. By doing it, you provide those companies access to your credit report, which they then sell to companies who will potentially send you offers, such as credit cards, car loans, etc. You basically open your file to those financial marketing companies. That may be OK with you, if you find it worth getting a score. Are those companies upfront about their intentions? You decide.

    Reply
    • Both companies give you your credit score more than once per year. I’ve been getting mine, approximately monthly.

      All three credit bureaus sell mailing lists based upon information in your credit report every single day.

      The article from October 2010 I found on Clark Howard’s website suggests no such thing, other than that the three sites he mentions may try to “up-sell” you additional services. He also points out that these are not “true” FICO scores.

      I have seen no increase in either junk mail or email since signing up with CreditKarma. I have no crystal ball or telepathy powers, but I have seen no ill effects as of yet.

      Reply
  43. As I just found out the hard way DIRECTLY from Experian, the credit score given to consumers is NOT the same as what they give lenders. I called them after being told by several lenders that my credit score was 50-75 points lower then what Experian’s own credit score tracking service reported to me. The support person told me the scores are based on different data and this is the case for ALL of these consumer services. To me this makes them ALL scams.

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  44. It is NOT a scam. I have been using it for over a year. I check my credit score several times a month. I have never been charged a thing!

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    • Scam – to be determined. I don’t understand how my credit score can be 62 points different when compared with Credit Karma and Transunion. Credit Karma stated the score they give was from Transunion, but it was 62 points lower than Transunion’s official score.

      Scam – beginning to look like it.

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      • It is a scam, they tell you that your credit is better than it really is because they want you happy. Nobody in my profession that has come in, has the same score that they tell me. It is misleading. It is free though so like asking a buddy for advice that doesn’t charge you.

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      • It is a scam they get your information then your flooded by phone calls from every credit repair or credit card co. Please don’t give them any information, you won’t get a moments peace. Wish I had never heard of them. They get your info then sell it to everyone, so see it’s not free.

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        • I have never been “flooded” by phone calls or credit card companies, and I have been using them for almost two years. It IS free.

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          • I too have been using them for awhile with no flooodng of calls, charges, or credit card offers. People make sure you are on the actual credit karma site and not another similar named fake.
            Zero trouble with credit karma site and the scores they reported to me are the same as the yearly I obtain.

        • Hey my mother in law past away in September, 2015 and we are now getting credit card application forward to our address the post office sold them our address and we are getting all kinds of junk mail from the address change.
          I get lots of call all the time from Credit card companys and I have not even use CreditKarma yet.

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      • They are scam! Experian will give you your true FICO score. CreditKarma just make some random figure up. They are not paying credit bureaus to get info to calculate your scores. Instead, they make something up.

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      • Cre.comditkarma now have all of my information and claims my info is incorrect to give me a credit score. I pray to God that my info is not used to send unsolicited ail or using my ssn. I believe this is a scam.

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          • CreditKarma is a scam. Very shady. Also, they do not give you accurate FICO score. They give you random BS. I checked through Bank of America & Experian and I got 740. CreditKarma gave me 488.

    • I just filled out all my personal information and they want a credit card, after the free trail period of 7 days, then they charge you $39 a month. In my opinion its scam.

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    • Credit karma is a scam used by collection agency’s to see how interested you really are about your credit. If you have bills in collection, every time you check your score on credit karma the collection’s start calling that day or the next.

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      • Also they are known for selling your name to every lender they find, legit and criminal lenders. Their score are not even correct, you will get scores that are not even close to each other.

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    • My credit score just got raised from a range of 400 to a score above 750 with the help of a hacker i met from an old friend. My credit report was really bad and it really gave me problems renting an apartment for myself. I shared my problems with an old friend of mine on facebook then out of pity she told me about the great works of a hacker she uses in fixing his credit score among other things. She told me what the hacker is capable of when it comes to anything that has to do with hacker..She said he’s a genius.. I mailed him for help and to my surprise, he fixed my credit report in few days than i expected. Need help with your credit issue? Thank you!

      Reply
      • I’ve deleted your attempted spam contact information and published this comment only to remind everyone that this is a scam. There is no way to “hack” your credit report. It’s all very simple, and very public. The so-called hack that used to work was to dispute what was on your report, and then they wouldn’t include that entry in your score. Dispute everything bad, and your score went up. People went to that well too many times, and it no longer works that way. Also, some lenders won’t lend to you if you have more than one or two disputes on your report at all, regardless of what the score is.

        Reply

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