Credit karma uses what score
This company is not yet accredited. To learn more, see reviews below or submit your own.
Keep an eye on your inbox, the lastest consumer news is on it’s way!
377 Credit Karma Consumer Reviews and Complaints
A link has directed you to this review. Its location on this page may change next time you visit.
Gave me poor advice and guidance to do an extension and got me in trouble with Ca tax board – then not only took no responsibility for what happened, but were rude, demeaning, disrespectful and smarmy nonchalant when I asked them to help me correct it. I absolutely DO NOT RECOMMEND THEM.
It’s a joke when it comes to your FICO score. It is completely inaccurate. The only thing to use it for is looking at your report. And it notifies you if anything changes in regards to new accounts or inquiries.
Thank you, you have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.
For last 6mo if using creditkarma.com service my score was 650. I have a new credit since recently started to use an auto loan first time in my life. For 16mo my score from 622 raised to 650. Wow. Not fast I thought, since paying on time. And I trade in my car yesterday and bought another car.. dealer shows me my score in 705. Thank you Credit Karma I will never be wasting my time on you or your credit card recommendations. I’d rather will check my FICO and free score check once a year. You don’t deserve 1 star I rated you!
It was a overall good experience with WES. I recommend WES to my colleagues/relatives and other aspirants for PR/Student visa for US and CANADA. WES all services/application and process is good and user friendly.
I too received a troubling email from Credit Karma implying my online security, identities and possibly accounts had been breached. Like Valeri of Rockford, IL, I contacted Credit Karma after a thoroughly frustrating and unsuccessful effort to follow their instructions to ‘review’ these reports on their site. Credit Karma’s site was more trouble than it was worth, with big emphasis on cute graphics and link after link of nothing related to the problems they alluded to in their original email to me. Today, nine days after I sent my request for help, I received a ‘How to’ which brought me to the page I already saw, that caused my concern in the first place. Online security should be easier to initiate with clear guidelines of what to do. Credit Karma’s approach is more of a narrative and seems to try and point to their own importance in this ongoing problem.
How do I know I can trust these reviews about Credit Karma?
1,594,103 reviews on ConsumerAffairs are verified.
We require contact information to ensure our reviewers are real.
We use intelligent software that helps us maintain the integrity of reviews.
Our moderators read all reviews to verify quality and helpfulness.
For more information about reviews on ConsumerAffairs.com please visit our FAQ.
I have been using Credit Karma for many years, just to keep track of my credit scores. They have been consistently accurate and consistent with ratings issued by credit services, which figures since Credit Karma does not “create” your credit scores, they simply report scores from two of the credit services. This year, I used their tax filing service. Our returns are fairly simple now (retired), so I was able to complete the federal forms in about an hour or so, and the system did our state returns automatically. I filed on a Tuesday, received confirmation that our returns had been accepted on Wednesday, and had both payments, federal and state, in the bank within two weeks. Simple, free and accurate. Note: I receive no advertising from them as I opted out of that. When you go online with them they advertise various credit cards, but that’s “take it or leave it”. That’s how they make their money, but it does not commit you to anything.
They had personal loans area that claims it does not affect your credit score. Out of curiosity I looked at the offers. I NEVER APPLIED FOR ANY OF THEM. 4 hours later I get an email from Regions by Avant that I have been turned down for the loan I DID NOT APPLY FOR. The bank’s response was to send me an identity theft form. That is total bs. No one stole my identity, this was done through the Credit Karma lie. If someone had tried to steal my identity and take out a loan they would not have used my email and home address. DO NOT TRUST CREDIT KARMA. THEY WILL LIE AND RIP YOU OFF. And yes when their actions lower your credit score with a hard inquiry you did not give them permission to make they not only ripped you off they Credit Karma stole your identity! FILING COMPLAINTS ON BOTH OF THEM EVERYWHERE I CAN. And contacting an attorney.
The information is always correct and accurate in a timely manner, I’ve been so pleased at the information and professional website that Credit Karma has. It has been very secure for me to truly trust with my personal information and even alerting me when I was logging in through a different device to confirm that it was indeed me. I’ve also recommended it to close friends and family. Thank you for taking the time to read this and please do try Credit Karma. You will be pleased.
I’ve never done one of these before, but after multiple ridiculous discrepancies, I googled “issues with Credit Karma” and found myself here. I signed up for Credit Karma a few years ago because I wanted a free service to keep track of my scores. I’ve always had high credit scores, so I was appalled at how long my scores were and I worked really hard to try to get them back up by lowering balances and hopefully lowering my debt to income ratio. I hadn’t had my credit run in a long time, and I trusted that Credit Karma was accurate in their numbers, so I saw no reason to independently check the scores myself.
I’d just seen it on Credit Karma and it was very low, so when we went in to try to refinance our house, I asked if my credit was going to be a problem. They asked what the score was and I told them. They asked if I’d ever missed a payment and I said no. They said it seemed unusually low for someone who has never missed a payment – even with a high debt to income ratio. My score was more in line with someone who opens and closes cards constantly, rarely makes payments on time, has very limited income, poor credit history, etc. That doesn’t describe me at all so I was concerned that maybe my identity had been stolen. The bank said to wait and let them run my credit for a more detailed score.
I received my score from the bank a couple days later and it was almost 100 points HIGHER than my highest Credit Karma score. I logged in to get my own “one free credit report per year” from the big agencies – including the 2 Credit Karma claims they include, and my scores were in line with what the bank had said. One had gone up since then by 30 points because my balance went down by $1000. Credit Karma, in that same time frame, reflected a 10 point drop – from the same credit agency.
I know that Credit Karma has access to my balances and accounts, and I don’t think they’re scamming people or anything like that, but I do not know where they get their score information from. I have since asked a couple friends and my parents to check theirs, and they had similar experiences. My parents have near perfect credit, and Credit Karma had them in the low 700s. I just have no idea where CK is actually pulling their data from. It’s supposed to be your Transunion and Experian scores (I believe), but they’re so far off. It’s almost like they’re guessing what Transunion and Experian would give you for a score without having any actual information to back it up.