Credit Karma
Reviews and Complaints

Before using credit karma I had minimal knowledge about my credit and finances, I just got by doing what I needed. I would pay my bills, sometimes late but didn’t REALLY understand the affects it had on my credit. Since using credit karma, it makes keeping track of my finances so much easier! Doing my finances with the credit karma app has made my life so much easier because everything is in ONE place! I have had numerous occasions where I had a list of things I needed to do financially but bouncing back from one account to the next, it’s easy to skip a step and not finish everything because I forget to go back; not anymore! I no longer find myself lost at what step I was at, bouncing back and forth from one open web page to the next window, logging on but hitting a wall when the password isn’t right it’s incredibly frustrating and a waste of time trying to keep track of each account the way I was, and failing Credit karma doesn’t just save me time or the frustration, but it keeps me in the KNOW. I am always current, thanks to the notifications I receive. I always know my current standings for my accounts, balances, activity, any changes; rise or fall of my credit score. Even a reminder for an upcoming payment, which helps continue the streak of on-time Payments. Another perk is having the option for trustworthy credit companies with great offers and low APR fee’s if I needed something like that, loans ect. My score was mid/high 400’s and is now mid 700! I’m proud of myself for getting where I am today but needed that extra push/guidance I have received using credit karma. I would highly recommend getting the app and taking control of your finances. It feels great.
Saving the best for last, SECURITY/identity theft prevention! This day and age with so many possibilities in technology is over my head. I’m about average, slightly foreign when it comes to understanding IT but rest assured, Credit karma notifies me when there was a breach revealing my personal information. My social security # had been exposed. 5683
5683
I was immediately notified of the unfortunate event and guided by Credit karma of what I need to do to ensure I wasn’t taken advantage of by the criminal who had access to my private information.

I never write reviews but this time I must warn people. This review will be a mixed with positive and negative comments but is written with absolute facts.

1) Positive- Credit Karma was a great tool for me to get approved for 2 credit cards. One card with a $10,000 credit line and another with a $1,000 credit line. I was lucky because my wife applied for the exact same cards (she had the same approval odds) but she was disapproved. What's even more crazy is her credit scores are 20 points higher than mine. Go figure - makes me wonder?

2) Positive - this really helped out because I filed bankruptcy 2 years ago and this will help me get my credit back on track. Also, I may not have taken that leap to get credit cards had Credit Karma not recommended them. Very nice (if you get approved)

3) Negative - Onto the really bad. The scores Credit Karma gives you ARE NOT ACCURATE. Friends, please listen to what I am saying and don't be so subjective that you immediately discount the review. I understand there are a lot of other overwhelming positive reviews but my eyes were opened today. I was one of those positive guys.

I believed for over the past year their scores were dog gone accurate and loved this app that I had other people download it. Sadly, I have been let down and only to find out over the past 2 days I was being fed false information.

Credit Karma told me that my scores were 698 and 688 respectively but when I applied for a credit union loan and subsequently went to a car dealership for a new car, they pulled my "real" credit scores, which were 654 and 657 respectively.

I argued with the credit union and car dealership about my score (thinking Credit Karma can't be that far off) but they stood by their credit pulls and I went home and pulled all 3 annual credit reports and BAM - they were accurate and Credit Karma is 30 points off. In the world of credit - that is a ginormous gap.

Friends - I learned the hard way today that Credit Karma is a nice app but your scores are inaccurate and misleading. If you don't believe me and are still subjective, google search "are Credit Karma scores accurate" and you will read the horror stories out there about how people like me were relying on Credit Karma as a reliable source.

Use caution

I *reallywanted to like Credit Karma. I closed a few other bank accounts I had and made it my main bank/checking account. I like the credit score monitoring and a few other unusual features. I don't like all the credit card offers/recommendations in my face. I just ignore them, but I can't imagine encouraging people to get more credit cards is healthy, because most people (in the USA) don't handle credit responsibly. Anyway, generally a nice app/service.

HOWEVER, because of two significant issues and how those issues have (not) been handled, I'm afraid I'm going to have to dump CK, which is of course a big hassle. Issue #1 is CK's inability to take remote check deposits (by using photos). It seems like most banks out there do, ESPECIALLY online banks. I mean, come on. They've been talking about doing it for years, since before I was a customer, and still nothing. It's as if taking remote checks is some novel, cutting-edge service they had to build out of toothpicks. Even my rickity old, behind the times, brick and morter Credit Union that I came from takes remote checks. Even my little Sole Proprietorship was taking checks sent by telephone, fax, or Internet in 1994! Surely you can figure this out, CK. It won't matter to me, because this is so ridiculous you've lost my confidence, but please.

Issue #2 is that they have locked my debit card unnecessarily at least twice, and this last time it been such a hassle to get it unlocked that it has remained that way for many, many months. Because of this I've had to painstakingly remove it from all my billing and shopping accounts, where it was previously the dominant card I used. I still have no idea WHY it was locked. Believe it or not, neither does Credit Karma. I've done messages, live chats, and calls to support, none of which were productive. I did learn one thing on the last phone call I made, which was that they CAN'T unlock my card, don't even know why it was locked, and pointed me at a VISA support number that seems to be fresh out of humans. I'm sorry, but I'm not willing to sit on hold more than about 15 minutes, wasting my time to solve a problem the company I'm calling created.

Well, that's a lot more than I intended to write, but I hope it helps some out there to avoid the disappointing hassle Credit Karma has been for me.

I started using CK a few years ago, initially out of curiosity. I'd just gotten a divorce and he let everything go. The first few years my credit scores were in the 300's. It was embarrassing. I used the information on CK to pay off past few bills I wasn't even aware of, over $4000 worth. It was daunting but I was determined and had help from CK. A couple I disputed, through the CK app, and got them taken off (they were my ex-husbands) and one was a doctor bill I was able to get run through insurance again and get paid. I set up payment plans for the rest. All through the CK app. I wouldn't have even been aware of the past due bills if it weren't for the CK app.
I eventually got a $200 secured credit card early last year (2020) at the advice, and choosing of, CK. I'd used it for months when a dear friend died. I needed funeral clothes. So, in the middle of a pandemic, and me having just had a bone marrow transplant, my mother & I went to Macy's. The cashier talked me into applying for their card although I was prepared to use the secured credit card I'd gotten through CK. I went ahead and did it knowing I'd never been approved before and wouldn't get approved this time. Low-and-behold I did get approved. I checked my scores on CK and it had gone up from 323 & 318 to 478 & 492, just off the $200 card I got through the CK app.
A month later I bought my first brand new vehicle but my mother had to co-sign, I just didn't have a long enough positive credit history.
By January , my scores were even higher. CK advised a new card so I took their advise and got the 3rd card they recommended. It was an AmEx. Never in a million years would I believe I could have an AmEx but I was approved with a $1000 credit limit and no down payment. My mind was, and still is, blown.
It's mid-April and my credit scores are 715 & 723, and I'm comfortable with that. I started a year ago with credit scores 400 points lower. My advise is to use the information provided by the app as a tool. Take their advise. Pay things off. Dispute things if necessary. Use it to get yourself in a place where, if/when disaster hits and you need, you could get a substantial, bulky loan. I wouldn't have been able to get my scores up 400 points without the suggestions, advise, and help of CreditKarma. Use it. Use the help they provide... They are, after all, the credit experts.

Credit Karma has some positive aspects and some very negative ones. It’s convenient (and as it should be) to always have ready access to one’s own credit scores. And the *ideaof the recommended credit cards is good, if not the execution. CK’s top recommended credit card for me is one I have had for years now and there’s no way for me to tell it that so that it will update my recommendations accordingly, making them appropriate to one who has my exact credit profile *includingthat particular card.

The worst thing about Credit Karma though, is that you cannot trust their recommendations, because they’re essentially just paid promotions for the cards and services in question. Credit Karma continually hawks CreditOne credit cards, for example, and NOBODY who knows anything about CreditOne and cares the least little bit for you wil EVER recommend that you get a credit card from CreditOne. They are well-known to be an abhorrent, unscrupulous company with inexcusable business practices, deliberately delaying the posting of payments to accounts by a week or more so as to be able to charge the customer late fees, making account closure as difficult as they possibly can, including *notclosing the account at all after telling you they have...they’re just a nightmare - and not out of incompetence, which would be a *littlemore excusable, but by design: that’s their intention! That’s their business model! - and Credit Karma has no compunction about leading its users straight into that lion’s den. Maybe CK is as confused as most other people are by the fact that *CapitalOne, which is an excellent, reputable company, did for some unimaginable reason design their logo to look exactly like CreditOne’s, begetting massive confusion throughout the industry...but I doubt it. I think CreditOne is just paying Credit Karma the big bucks to promote their products, and so they do. Which in turn renders CK untrustworthy. They’re not showing you the credit options that are best for you; they’re showing you the options they’ve been paid to show you, which - as in the case of CreditOne - may well be a costly, disreputable nightmare just lying in wait for you.

If you do your own research independent of Credit Karma and discover for yourself which cards might be best for you (and which ones definitely will *not*), you should be safe from such massive pitfalls...but if you have to do that, what’s the point of Credit Karma?

Credit karma... What can be said about Credit Karma. She used to be so beautiful, useful, and good to us. Then one day, she woke up and did a 180.

The good- 2 credit reporting agencies now! That's amazing! It's good to see your credit report from multiple agencies, because it helps you catch discrepancies. The reviewers on here complaining about a 'sudden drop in score' may want to consider that different agencies place emphasis on different aspects of your credit history. They can routinely vary 50 points easily.

The bad- this mini web browser within the app is almost the worst idea I have ever seen! Do your developers not realize that people use the mobile app so they don't have to use their phone's browser and look at tiny writing? It's the most atrocious error in judgement I have seen in an app update since Facebook separated the messenger from the main app. Don't even get me started on that one. I still haven't downloaded that messenger, and I won't. I rarely even use the Facebook app now. And that brings up a valid point; you may lose customers over this update blunder. Please revert back to the user friendly interface u had before with the swiping between "accounts", "score history", etc. You can easily add tabs for your recommended credit cards and separate the 2 credit reporting agencies. There was a better way to do it, I'm just sayin.

The ugly- this kind of goes back to what I was just saying about usability. The app is just cluttered, ugly, and almost unusable. You can't read information without zooming in, it takes forever to load ("Getting updated information, downloading your score"... Come on. We're not stupid. You're loading webpages on your app because you're too lazy to revamp the app the right way.)

With all this being said, you still get 3 stars for 2 reasons. A) Your app was great once, and I have faith that it will be again. You strike me as the type of company to listen to your customers and make adjustments when you're wrong. B) This is such a valuable tool! I don't think people take their credit worthiness very seriously now days, but as someone who works in finance and has had a rough financial past, I can tell you that this site is providing an incredible service... And it's free! You can not beat it.

I rarely do reviews on apps, but I felt it was important to do so on the off chance that someone from Credit Karma would see that their customers care enough about their service to let them know what their doing right and what they're goofing up.

One thing needs fixing.

One of its suggestion are consumer loans to pay off credit cards, but this is broken in many ways

Worst thing, if you leave the app for ANY reason even to read a message or to lookup info that the very loan form is asking for, it completely puts you back at the start of everything when you return to back to CK, I mean way back to choosing between a balance transfer card, are you employed, how much of a loan, etc etc. Some screens might retain some answers as defaults, but you still have timo reread all the steps

And when you return to the app, some offers are suddenly gone, you have fewer option. I suspect the previous half-filled-in forms have taken those slots. You can’t get back to back to them to complete them.

Some of this might be related to the constant Re-auth with FaceID even if you were just for a second.

Sessions and Re-entry should be maintained for some number of mins. I suspect some security folks might not like having the persist for even a second! - in case somebody snatched your phone But other secure financial apps live with this, you get maybe 30 seconds as long as you’re still actively using the phone

Overall I REALLY like this app, and since the app is free (!NO! Card req to use it!) I’m happy to see them make a fair margin on the vetted offers. But they are LOSING SO MANY REVENUE transactions due to the VERY BUGGY application process

One example, I was deep into a very good loan application. I popped over to Google maps just to quickly check the zip code of my employer - 5 to 10 seconds to find that, nearing the end of the process. IMMEDIATELY switched to the CK app, my application was gone, way back to square one (Cc bal xfer or personal loan step, way at the very start! WORSE, I could no longer get to that attractive offer, I had to pick a different vendor, slightly inferior deal. And they had different questions than the other application. And so then, when there was another thing I had to hunt down on my phone, BOOM - gone. I feel bad for CK, losing money on stuff like this! Also there were 2 different ways to get to “loans”, don’t recall details, but the looked and acted differently. Also the general error checking and flagging loan form screens needs cleanup/tweaking.

I took the time to write this up, but maybe y other end users wouldn’t bother. Not bragging, it’s statistics, I suspect NANY Users simply abandon the proceeds and just don’t complain - that’s the norm! So I suspect MANY abandoned loans applications, and many commissions for CK sadly lost. Hope this description helps with resolving - I still wanna pay off a CC at a low fixed rate, so maybe I’ll try again in a few months.

CREDIT KARMA: YOU ARE ROUTINELY LOSING LOAN REFERRAL FEE REVENUE - and it could be FIXES! Again, love the app otherwise.

Credit Karma is okay, but their whole “Credit scores/reports updated daily” (paraphrased) thing is misleading and the information they have is not always correct. For instance: CK shows a collection account on my Equifax report. An Equifax report does not. Also, TransUnion scores are NOT updated daily, but weekly. Again, this is comparing a CK score/report to a TransUnion report. Equifax’s information appears to be updated daily, however. Also, like most free credit scores, CK uses a VantageScore 3.0. I would highly encourage users to not base their credit decisions on this model, as it is not an accurate representation of what your scores that matter are (i.e. Fico 8 & 9, Fico Auto 2, 8, & 9, Fico Score 2 for Mortgages, Fico Bankcard Scores 2, 3, 8, & 9, etc.). Reputable lenders do not use the VantageScore model. Bottom Line: Credit Karma is okay for general tracking of your credit on a month-to-month basis, but if you are about to begin inquiring about any serious credit based on the information contained in CK, don’t. Go directly to the credit bureaus (Experian is my personal favorite because they tend to be the most accurate, I have found that their information is used to make credit decisions more often than the others’ are, and you have the ability to get ALL of your scores from ALL 3 bureaus) and pay to get your various FICO scores.

Update: Credit Karma responded, saying, “While our scores come directly from TransUnion and Equifax, it is totally normal for you to find different scores elsewhere. As crazy as it sounds, they are all your real credit score! Our article about credit score variance digs deeper into this…”

1. Don’t insult my intelligence and don’t give me a non-response response just for the sake of having a response to boost your company’s reputation. I am quite aware of the variance of credit scoring models, as I pretty clearly stated in my initial review. Why else would I list off 10 different scoring models that serious lenders use?
2. This doesn’t change the fact that people should not be using a VantageScore (be it 1.0, 2.0, 3.0 or 4.0) as a basis for deciding to apply for serious credit. Very few lenders use a VantageScore model period and no serious lenders (i.e. auto lenders, mortgage lenders, and most credit card issuers) use it at all.
3. And none of this changes the fact that information you have published in reports is not always accurate, despite it being correct from the credit bureaus.

In conclusion, again, Credit Karma is okay for general tracking of your credit on a month-to-month basis, but if you are about to begin inquiring about any serious credit based on the information contained in CK, don’t. Go directly to the credit bureaus. I realize that CK needs to defend and promote the model they use, but they should be honest with their consumers about its usefulness and limitations, as a large percentage of the population has no idea what scoring variations there are and which ones are most useful and accurate in the eyes of lenders. I have studied credit and scoring models as a serious hobby for more than a decade and want people to know the truth and how they should go about deciding on loans and managing their credit. Not trying to down Credit Karma. Just an honest review.

This snapshot view of your Vantage Score gives you the exact number that most lenders and creditors are using in running their calculations to approve/unapproved lines of credit. It's easy to sign up for, it's quick and its free. We've all faced a crunch in our financial household over the past 4 years and we are learning more about our personal credit scores than ever before because of it. I monitor my score daily through Credit Karma and Equifax because I have found so many errors that have been disputed and it has given me a true, clean view of where I stand. In fact, I have disputed over 35 items that I found to be reported incorrectly, personal information not up to date, old items that should no longer be on my report causing my score to drop, incorrect reporting by a lender on "Personal Info missing" that was hurting my score, actual vs limit dollar amounts by creditor/lender, negative information that should have been removed due to the time that it is reported on your report and inquiries that were not approved by myself by lenders. Overall, I increased my credit by over 100 points which is crucial and scary because its irresponsible reporting by our creditors/lenders. They expect us to pay them in full and on time and I expect them to report in full, correctly and in a timely manner so that my credit score does not cause me problems in life such as the ability to get a job. We need to push our political constituents to mandate these creditors/ lenders to report correctly and timely but due to the economic impact that we have all felt, it's time to reevaluate how credit score information is collected, reported and its aging over time. If you miss one payment, it will raise a red flag causing your interest rates to possibly go up. This missing payment stays on your report for 7 years. Based on what we have all been through, the credit and lending problems are tighter because we all have one if these negative marks on our report. Needless to say, our next President will not be able to help us in opening up our ability to borrow because we have 7 more years before we can borrow at a fair and better rate because of the aging of the negative information on our reports. There are so many of us who have one or two of these negative marks on our credit and we were not to blame for our economic and financial struggles we face now. The government is to blame by not imposing oversight committees to watch the big banks and their lending guidelines. It's time for us, the people, to take more control of our voice in politics and make our political constituents hear our problems, address them and fight for us rather than worrying about their pension plans (which we also pay), their annual increase in salary (which we are also paying for when we can't get one ourselves) and just be the men and women that they were voted into office to be - "Our Voice". Until we as individuals take a stance and speak out, nothing is going to change and we will continue to lose our social security, pensions, 401K's and our Credit Worthiness to live a comfortable life without the long term residual effects of this recent economic crisis. If you don't speak up, then shut up and don't complain. You have no right to ride my coattail as I speak up for myself. "Speak Up or Shut Up" is going to be the mission statement by "We the People" in uniting to fight to regain our equality in fighting for our financial future and our kids financial future. If you'd like to join me, jump on board and let's get back involved.

When going through the report to see what changes have been done during a timespan and the points gained and taken away from your score, it doesn’t give full details on WHAT and HOW this was done. Had a 745 score and somehow in a month it dropped by 66 points but my report shows NO DEROGATORY REMARKS and has a “looks great” remark about it from the app…psssh yea right. The usual breakdown shows on average I gain/drop about 1-3 points. But miraculously I get a 66 point drop from the last month 1point drop…and there’s NO INDICATION OF ANYTHING TO SHOW HOW IT HAPPENED. And of course like any other person, to find this information out the automated chat person only gives you the basic information of what any logical person has already seen on their own report and when requesting to see about person to person customer service of course you get some sad little spiel from it’s AI not being “as good” (which when someone is trying to get information about something that little response is a tad bit annoying and irrelevant) instead of just giving a link. Going full roundabout on the app and finding ZERO new and ACTUAL ANSWERS, you’re better off just requesting to get the information from the bureau…which I noticed in this latest update (and the previous ones before) this ability to request it has somehow disappeared or isn’t being thrown out in the chat with the AI…which you know would be helpful. Also don’t really like the “average credit age”…why not just use the ACTUAL information?

Updated review: If responder actually read my initial review, they would have noticed that I NEVER said that credit karma CREATED anything or DID anything to my credit score itself…i NEVER blamed CK for anything other than they don’t SHOW the MISSING INFO that I was looking for in regards to what happened. THUS I said it’s better to just go to the source (which I noticed isn’t on the latest updates for this app…I believe about 5+ years ago they had a function to link you to be able to request an extensive review of your report through someone else). Moving on, the changes happened Jan 5 I believe…it’s end of FEB (a whole month after CK does their pulling regular information from the bureau) and like I there was no additional information to show why this drop occurred …thus another reason i said I was better off going to the source. BECAUSE I saw CK STILL didn’t have the information I wanted and instead of waiting I’ll be going to the head of the situation. I’m fully aware of how you guys get your information…it’s not rocket science, you’re just a convenient third party. So the breakdown of HOW you guys get your info was unnecessary in response. However your info on what is available is still not a very good explanation when on minor fluctuations to the score especially for those who want direct meat and potato answers….thus another reason I said your little AI is STILL annoying and talks too much when you’re trying to get specific answers….there should be a function to at least decide if your AI is “friendly” or just blunt with it (just a mild suggestion for those of us who don’t care for the “nice guy AI” approach). I understand you probably had to give a response…but that definitely wasn’t in any way beneficial to me, more so for you and whatever person who reads this and doesn’t know the process of your “info gathering”.

Updated review again after developers continue to not read and comprehend the review and still write a hilariously useless response. In case you guys read this again: NO WHERE DID I SAY YOU DID ANYTHING TO MY REPORT! I SAID: your information was insufficient. Comprehension is free.

Credit Karma is fantastic ! I’ve been using it for years and YOU NEED THIS APP. Touch ID works great on iPhone for log in. Very reliable and never crashes. It shows what’s going on with very frequent credit updates AND IT TEACHES YOU HOW TO INCREASE YOU SCORE and how all the mysteries of the credit scores actually work in real life. Examples: I don’t like my oldest credit card. BUT, if I close that account my Average length of credit drops a lot and my credit scores drop a lot also. Even worse, if I cancel that old card and get a new card , my average credit length drops AND I have another Hard Inquiry also that would show for the next 2 years. AND if the new card had a Lower available limit, my overall credit Usage Percentage would Increase and drop my credit score even further ! Who would even know these things without Credit Karma ? ! One mistake affects your score for YEARS.
Credit Karma TEACHES YOU what factors cause changes in your scores. My scores are over 800 now since using Credit Karma for the past 2 years or so.
It’s also helpful to find identity theft ... say an ex-spouse applies for a credit card in your name. You’d see an Unexplained Hard Inquiry and address that isn’t yours and know Immediately that your identity was stolen ! AND a NEW Credit Card you didn’t apply for ! Even if the thief didn’t get an account, the new Hard Inquiry would Alert You almost Immediately that something bad was going on.
Most negative reviews Incorrectly blame Credit Karma for the insane credit bureaus systems. It’s NOT Credit Karma’s fault the systems are so rediculous in many ways. Credit Karma just Reports the info. They do Not create the systems used.
Also, the credit card ads keep the service FREE. There aren’t many anyhow. Before complaining, remember it’s A FREE SERVICE. GREAT DEAL ! FREE !
AND I found my 2 favorite cards on the Credit Karma ads ! I wouldn’t have found them otherwise ! I found my Bank of America Cash Rewards card and Chase Freedom Unlimited card on Credit Karma and both cards are unbelievable ! I’ve gotten LITERALLY MANY HUNDREDS OF DOLLARS in cash back just paying bills with cash back cards ! AND ITS TAX FREE CASH BACK PER IRS REGULATIONS because it’s technically a Discount off of purchases and Not Taxable Income ! Same thing as using a coupon at a store.
I could go on forever but enough said. FANTASTIC FREE SERVICE that will inform and educate you and , as in my case , could end up putting a lot of tax exempt money in your pocket too !
Use this incredible Free service and you’ll love it. Those who complain should feel “free” to try and find a better FREE SERVICE. There aren’t any ! Oh, ALSO... most credit cards these days will show you your FICA SCORE, so don’t blame Credit Karma for that either. I’ve really learned to be a credit expert thanks to this fantastic app and service. GET IT ! And check it Every Week to be sure no one is using your identity ! A surprising Hard Inquiry would alert you Immediately for example, and I believe Credit Karma would also email you too ! Plus you can check your scores 10 times per day and still Never get a Hard Inquiry for using their Free Service. YOU HAVE NOTHING TO LOOSE AND A LOT TO GAIN.
Very Satisfied user for over Two Years !
ONLY COMPLAINT IS TO MANY UPDATES AND NEW THINGS I DONT WANT.
I CAN CHECK MY SCORES EASILY ON CREDIT CARD APPS ANYHOW AND DO NOT WANT ALL THE EXTRA STUFF THAT YOU KEEP ADDING. I DO LIKE THE CREDIT CARD OFFERS AND HAVE FOUND A COUPLE OF MY FAVORITE CREDIT CARDS ON CREDIT KARMA THOUGH... and UNDERSTAND IT HELPS KEEP IT FREE.
UPDATES ARE GETTING ANNOYING AND TOO MANY YHINGS ADDED THAT I REALLY AM NOT INTERESTED IN. OVERALL... STILL A GREAT APP AND HIGHLY RECOMMENDED. MAYBE JUST LIGHTEN UP ON UPDATES AND EXTRAS. CK IS AWESOME ! GET IT !

Your review about Credit Carma, & your Credit gave me GREAT HOPE.
Thank you for sharing with such honesty.
A friend turned me on to Credit Carma about 6+ years ago and although the score I saw was far from what I had expected I then knew there are ways to turn that low score :( up to a Number that we all need to really get what we need, & want.
We all have a name ( John Smith, Jane Doe etc.) along with our names we have a Social Security Number. That number is who you are to the Government, IRS,and everything important. No matter how pretty or handsome your name may be, no matter your personality how good you are. Making sure everything you do is good, kind, perfect, even if you have Millions of dollars in the bank.
Still you are that Social Security Number that will lead you to your Credit Score.
That score means EVERYTHING.
Let’s say you have 9 million dollars in the bank, a Beautiful very expensive home with high mortgage payments, insurance both on your car & Home & you have been up to date on time never late or missed a payment. You could assume you credit score would be high

But you applied for a car loan over the Internet, or u shopped at kohls & put in your S.S # to get 20% off your total shopping order... BAM Hard Hit on your credit Score. Or like me a divorce put me in the hole of quick sand feeling I will never crawl out & up. For a long time I would apply for Credit or a small credit loan for a car. At that time my credit was close to a 6 so clearly I thought I would be approved. HA nope I was denied due to all the times I applied for something it would lower my credit score.
About 2 months ago I checked my Credit Score on Credit Carma & it was high I the 6‼️
I was so excited because I planned on financing a car after the Holiday’s. Well for about 1+ years I had pre pay with T-Mobile & never missed a payment nor was I ever late.keep this next sentence in min. (My Mother really wanted a cell phone) oh I have 3 siblings who didn’t care what she wished for last Christmas & of course being much smart than I they got her something other than what she truly wanted.
Ok so I was going through my mail & opened a letter from T-Mobile Thanking me for being a great customer & now I was a VIP‼️
They offered me 2 lines all in for $100.00 a month plus an IPhone 7‼️ Athe time I was using my paid off 6plus. Immediately I decided to give the 6plus to my Mom & I would upgrade to the 7plus. The whole transaction took over 3 hours. I had the manager of the store helping us who neglected to tell me I had to make $36. Per month payments on the 7 plus that would be automatically withdrawn from my bank acct between the 16 to the 21 of each month.
I am a disabled woman living on $745. A month with that said there isn’t any money in my account during that time.
I opened the T-Mobile Acct. in March & all my monthly payment were in full on time. Never was I contacted in any way to bring to my attention the $36. Payments 7 of them for the IPhone. The beginning of Oct 2017 I called in & made my $100 monthly payment which changed to $110 because I was calling the payments in. Again nobody notified me if I gave them permission to auto withdraw I could have save $10.‼️2 day’s later my Mother & My acct. had been suspended for GET THIS ( NON PAYMENT‼️)
I was so surprised & angry I said a shirt orayer asking God to help me be kind, calm & understanding. I just made my payment how could I be suspended for non payment❓
The auto teller said it look like your acct. has been suspended due to non payment the total amount due is $700+. Would you like to make the payment now❓
Bottom line it took many phone calls speaking & listening to many acct supervisor’s to understand how I could owe so much money❓ Finally I got a Supervisor whom I was able to understand making me aware I was behind 8 payments for the IPhone 7.
He was giving me a payment plan & asked if he could put me on a shirt hold❓I said yes & as I was waiting the call dropped‼️I had been on my phone with T-Mobile over 2 hours & for one reason whenever I am on the phone for that length of time the call drops.
Of course he did it call me back nor did he leave notes. Therefore every time I call hoping to get a CSAgent that can help me I am denied. My only option is to pay $784.
I told you this whole true long story because I checked my Credit Score and it is now 499 from 6+‼️
If I had been made aware of the payment expected I would NOT have went forward with the acct. simply because it would be unaffordable for me.
From now on I don’t care how long the line is behind me, i must keep in mind I too am a paying customer & I will ask every question I can think of. In addition I will make it my business to read the fine print myself. Not listen to the sales person tell me what I am signing.

As I said earlier this comment turned out to be so so so unexpectedly long & I apologize I just couldn’t think of another way to make you aware of little things like cellular company pushing you long long awaited Credit Score to go up for them to knock it down‼️
Seriously,
Kick down by T-Mobil

Upon joining Credit Karma I have learned a lot , the first thing I learned is credit karma doesnt give you an accurate credit score, while I understand different scoring models are used by different lenders and such just know that your credit score can be off by 50 points from a complete real credit score used by different lenders , so when something says you have a good or fair chance of getting approved beware of using a hard inquiry against yourself and save yourself some points on down the rd, also beware of these loan companies they offer on their websites read the fine print and do your research online before accepting any offers that you may get, One Main Financial for example, they will screw you faster and harder than anyone here far as loans , don’t be fooled by being approved for a loan of any kind large or small, if you borrow 10,000 expect to pay 25,000 back and for God’s sake do not do a secured title loan thru them, I was approved and almost fell for the offer I was given but thank god I started doing some reviews afterwards, while I hate that I didn’t do more research before I did the application I’m still thankful that I was smart and did my research, if I would have done that while building my credit I would never have gotten out of debt , nor be able to build my credit score as good as I still am , don’t be fooled by these lenders please read their terms and agreements and read up on how these people prey on us that are in desperate measures trying to get out of Debt or get ahead or consolidate debt! Credit cards can be good for you if you use them the right way and keep your debt ratio 30% or lower and make your payments on time every month! Be sure to pay in full each month if you can! It’s a plus! Also if you want to build your credit and you are a member of a credit union I highly advise you take out a secured loan thru your bank to begin with as a credit builder to help you or get a cap 1 secured card! Don’t get a credit 1 these are 2 completely different companies by the way with 2 completely different terms and agreements, do not get more loaned to you than you can afford to pay back! Check interest rates before commiting to anyone! Do strong research before accepting any cc offers you may get! If possible take one with a cash back rewards! It’s more bang for your buck while building credit at the same time, also if you have 3 returned payments from cap 1 in a row let’s say maybe your payment comes out your savings act but you forgot to move your money there before the payment tries to withdrawal from your account they will automatically terminate your cc! I know from experience, it was an accident, but it was my own fault for not being more responsible and thinking ahead..something I didn’t know they would do but learned the hard way! My bank also charged me about 30$ each tome I had a returned payment for insufficient funds as well,I’m currently trying to build my credit to buy a house in the next year and I’m now only an authorized user on a cap 1 act from my wife and have a 2500 Loan from badcock furniture I’ve had for 7 months , I have disputed over 3k in medical bills thru credit karma and have kept my debt to ratio below 30% as much as possible and try to pay off my complete balance in full every month the best I can I started with a 499 credit score less than 9 months ago and according to Credit karma I have a 691 Equifax and 680 trans union now, while that score may not be as accurate as it says I do know I have atleast a 625 to 650 credit score give or take... I’m hoping to be in the 700s in the next 6 months so I can have a good interest rate when me and my wife decide to buy our first house together, we started out with secured cap 1 cc’s with $300 limits and after 5 payments and good history they doubled it to 606 and it turned unsecured! Of course it got terminated due to 3 returned payments as previously stated I paid my balance off in full but when it got shut down my credit score dropped atleast 30 points on both Trans and equi, just be very careful while building your credit and do the best you can , I would only advise you to get a credit card if your looking to build it to buy a house or a car, other than that , don’t accept offers you will be susceptible to screwing yourself over in the long run, cc’s are good to have if you can manage your money and use them the proper way! It takes self control and building your credit becomes kind of like a fun game to play! Check your score as much as possible and use credit karmas tips to help you succeed! 1 year ago I knew nothing about this entire process all I knew is having good credit was a goal of mine, today I am now helping orhers I know build their credit and teaching them good pointers and tips on how to build it up fast as they can and the best ways possible! I hope I have given some good insight to someone that is in the same shoes I was less than a year ago! Keep your credit inquiries below 4 in the first year and no more than 4 more in the 2nd year, it takes 2 yrs for them to fall off so choose wisely as to what you would like to be accepted in far as cards or loans or etc.. don’t just apply for stuff for fun because T.J.Maxx tried to talk you into applying at the checkout line for a 25$ discount on your purchase , unless you already have atleast a 600 to 650 credit score you will not get approved for any store cards like that , Victoria secret or Walmart , Lowe’s , tj Maxx , etc .. start secured with the cap 1 card you will have great benefits and won’t be sorry u listened to me! Then move to the cash back card as soon as possible after building your credit! If you get a loan get it wisely! And do not do it unless absolutely necessary and still don’t do it then if you don’t have too or can wait! Other than all this I have tried to teach someone reading this today I hope I was a help to someone out there, just beware of your score and the system each company uses they are all different!

I’ve used Credit Karma for years and the app itself is very useful and handy. HOWEVER, I got a new phone and forgot to change my number on all of my apps and this one was just the one I completely gave up on. The support team is so ridiculously tedious and impossible to work with. For some reason the app wasn’t working for me after I got a new phone, I’ve changed passwords multiple times and still nothing. I was getting multiple system errors I even tried the desktop version and the same thing happened. I finally tried reaching out to support and it was virtually non existent, they handle things through email and strictly email. No phone number, no chat support, nothing! They rely on all their FAQs on their website as “support” but if it is a very specific issue like mine that requires being escalated to actual people then good luck. I contacted them through email a couple times and everyone I got ahold of was tremendously incompetent. My issue was never resolved, before even acknowledging anything that I was telling them they asked to identify myself and one of the ways I tried doing that was sending in my drivers license but that wasn’t enough for them for some reason. They asked for a picture of my social security card, now keep in mind I was comfortable just sending them my social number but they kept pushing for a picture of my social. After multiple attempts and terrible customer support I decided to just give up because I wasn’t about to risk identity theft and yeah they can tell you it’s for security reasons all they want but just the fact that trying to get them to help you was like pulling out teeth is enough for me to not want to use their services anymore.

TL;DR: Great app when it works, but if something randomly goes wrong then you’re screwed because their support team is ridiculously incompetent. See you guys later, thanks for the good few years. Your actual product is great but your support team is awful, I’m out. ✌️

Thank you so much 760Plus Credit Score for helping me increase my credit score and delete derogatory remarks. It took just within 2 weeks for them to get my credit back to excellent. Now I’ve been pre-approved for a mortgage and I’m currently home shopping! It’s a dream come true and a personal goal accomplished with your help. THANKS! I’m recommending them to any person in dire need of credit fix (760pluscreditscore @ gmail dot com). You can thank me later!

I used the mobile deposit feature on the app and read disclosures completely. It stated if under $225 the funds would be available next business day. Check was far less then that. 4 hours later I received an email stating funds were available. Checked my balance and funds are not available. Contacted customer service they told me give it 24 hours. I did. I call back now they say 7 business days but because the app did in fact say 1 day and I did receive the email they would give me a provisional credit. Wait a couple hours and nothing so I call back and they say they don’t know what I’m talking about and they never sent me an email even though I sent the email back to them. I had to endorse that check to credit karma on the back so that check is completely useless now. I feel they stole from me and now this shady company has my other bank account account and routing number.

My Credit Karma spend account was closed very shortly after I called them about $1500.00 of my deposited return had been stolen from my account. Date it was closed 2/24/2023. Absolutely no explanation as to why they closed it. As for my tax return money, I still have gotten no one to help me in getting my hard earned money back. This has been going on since mid February of 2023. Here it is 5/1/23 and I still don’t have my money and no answer to my many questions.

I recently had the pleasure of working with JerryLink Credit Group and I can't say enough good things about my experience. At first, I was considering a DIY approach and had spent countless hours researching credit repair strategies on YouTube. However, I quickly realized that the expertise and personalized service Jerry offered far surpassed anything I could achieve on my own. I reached out to them via mail: jerrylinkgroup @ gmail.com. Their dedication, expertise, and personalized approach made a tremendous difference in my credit situation (500s to 760s across all three bureaus). I highly recommend their services to anyone in need of credit repair, as they outperform DIY methods and generic dispute templates every time.

Intuit (Turbo Tax) uses Credit Karma for tax refunds. They send you a debit card. This debit card needs to be activated on their APP or website. This should only take about an hour to accomplish after battling your way through their automated phone system, eventually ending up in a Indian call center with people that barely speak English. Once you account is set up you can transfer the money to your bank account after you link your bank account. But they set a 1000.00 limit on transfers and only one transfer per day. So in my case 4200.00,

will take 5 different days to drain my account plus another 5 days for them to "process" it. They also say I could withdraw money from an ATM at 500.00 per day in cash. But this is also false. Both ATM's rejected the card. Tried calling back and when he had exhausted his script, was of no help. Basically it looks and feels like a giant scam. I am only one person but obviously multiply this times a couple of million Turbo Tax users and you can see the magnitude of this fraud.

Credit Karma regularly sends completely misleading emails suggesting something negative has occurred on your credit report when nothing has happened at all. They're doing this to scare people into signing on to their website. I've noticed they seem to do this if I haven't visited their site in a while. They really should STOP doing this. It's extremely annoying.

Have had credit karma money for a while but have only used it once because it takes money too long to post once added. So I used my credit karma spend account to get an advance on my hard earned tax return money just to have it deposited and with no notice at all sent to me, no notice at all placed on the credit karma account I look at everyday they just up and locked my account unbeknownst to me. So here I am at the store trying to swipe my debit card looking like a whole fool with people behind me in line repeatedly having this card declined. Thankfully I had alternate funds I was able to use but immediately went on credit karma to find the problem. Tried to use transfer apps to transfer the money, that didn't work, so I decided maybe something was wrong with the card so ordered a new one assuming I could get a virtual card in the meantime or be able to use the checking account and routing numbers. That wasn't the case at all. I tried ccalling, was unable to get anyone on the phone after an hour of being on hold, had to make a few attempts to use the chat feature but finally got through and was told my account was under review, they didn't have access to anything further than that and would escalate it to the correct department and said I would get a follow up email with further information. After receiving an email almost 24 hours later stating unfortunately there was no new information I attempted to call again. I got through by requesting a call back and was told there was nobody that I could speak to in the department that handles these issues and I would just have to wait for an email! That is absolutely ridiculous to me! Why do I have to wait on an email to see what is going on with my own money? Why can't anyone tell me over the phone and help me access it? This is no way to run a company especially when dealing with people money! Nobody wants to sit waiting for an indefinite amount of time on their own money. I could have been traveling or really stuck and needed that money and would or could have jist been stuck on the side of the road unable to get gas or something and just stranded with no access to my own money and there's nobody you can even talk to? Listen don't use credit karma money period, let alone for something as big or important as your income tax refunds! Unless you just freshly opened an account in doing so. Just use h&r block or jackson hewitt or kiterally anyone else because credit karma will have you sick wondering about your own money!

This company refuses to update my phone number despite numerous files of my identification to prove I am who I am to them. They reject them or not getting them through thier 'secure link' by email. I have uploaded my documents to them at least 8 seperate times and continue to get emails from them about uploading the documents as if I have not done this. They refuse to update my phone number and after so many times uploading the documents as asked exactly as outlined in their guild to how to upload the documents they refuse to update the phone number.

They violated Regulation E 1005.11 completely. I have emails back and forth with them starting March 25th 2022 following a call that day disputing several transactions. They were not processed until near the end of April citing that it needed to be referred to a "special department" first. Which was more than double the amount of time allowed for provisional credits. They kept emailing me redundant questions over an over in attempt to prolong the "initiation" of my claim. Then without notice they removed the small amount of provisional credits I had received (late). When I asked for the documents used in determining the outcome of my claim I was told no. Every call is met with delay tactics and ignorance or avoidance. Then, we had been calling about the $200 bonus offer we got when filing our return. I was told that "you were never offered that" after the offer was supposed to be paid out. There is over a dozen calls about it. Then my account was closed without any notice still 6 months later. I have no way of getting my billing statements or transaction history.

i had to ask for a replacement card and credit karma keeps saying they sent one,but it never came.so they made me file for another replacement card and it jasnt came either.So now i have 5,699.00.That i cant access or spend because they wont send me another card.I have pretty much begged them to just send the card to my mailing address but it never comes and they just tell me it should be here by now,and offer to send another one.Thats as far as i have gotten in the situation because thats the only thing they are offering me.So i dont know what to do.I almost feel as if im being robbed in a way,Like they are keeping my money from me.

After not using Credit Karma for a few years I tried logging back in and nothing happened. I set up a new account and it almost went through. My phone verfication was sent, and then when I tried logging in another older phone number popped up for a phone I no longer have.

Also says my personal information is not on file with the credit reporting agencies although I have other current credit cards.

Customer service is basically useless.

I recently used Credit Karma's system to see what credit cards I might be approved for. According to credit karma I had a 'very good' chance at approval with a credit provider. When I applied however, my application was denied, and I will undoubtedly have a black mark against my scores because of it.

I would advise against using Credit Karma's system, made to mislead consumers so that they can receive a referral kickback.

After I tried to change my last name yesterday 9/20/22-could not do it because of them (their site) Then today, 9/21/22 I recd 1st email telling me my account is locked. Later in the day, I get a request wanting a copy of front/back license and where I work & income. I sent license and marriage cert. I then email back to confirm that they actually recd the info I sent. Was told thank you but can not respond further about it. At this point with over 160,000 transferred to them in a 3 month period, I am concerned and now want my money back from where I originally sent it from. The person that responded to my email is no longer responding to me. I have sent 2 additional emails after sending my id/marriage cert. I just want my money back and never deal with Credit Karma again.

I recently paid off my mortgage EARLY, like 23 years early, and Credit Karma docked me _99 points on my score, II basically have $6500.00 in debt, that I make monthly payments for, how can a person be punished for paying their bills? I don't believe CREDIT KARMA is a reliable source for a credit score, I will not rely on CREDIT KARMA anymore...HORRIBLE company.

I got a notification on Sunday morning 4th of September, approx. 11:30 or so... when I was within the application while checking my score. It was from Mission Lane and said I had "Outstanding" odds to get approved. I applied and then Credit Karma sent me a message saying I was declined because of fraudulent activity from my IP address. I would have never applied for this card had I not gotten the notification while I was checking my score in the first place. I also wasn't able to find any more information on what the potential fraud from my IP address was in regards to. Just to be clear as well, there wasn't any type of fraudulent activity taking place. As a result it is now going to take me significantly longer to build my credit as I previously had great credit but just stopped using credit in preference to cash at the time. The fact that Credit Karma is supposed to be a "service" it seems as if they are complicit in deceptive practices as a gatekeeper to better credit.

Joshua Derby

[protected]@gmail.com

https://www.ftc.gov/business-guidance/blog/2022/09/3-million-ftc-settlement-disapproves-credit-karmas-deceptive-pre-approved-claims

I had been using Credit Karma spend and save for over 5 years. I get a notice out of nowhere stating my account is now closed and can not be reopened. When I contacted them, I was told it was through their main banking company, MVB Bank, inc. Either way I did get a email later stating they couldn't verify my identification, yet I did that when I opened the original account so long ago. They are wrong for doing this. And people deserve an explanation as to why any account is closed and for a real reason.

Credit Karma locked my money spend

Account out of the blue! 1000 dollars locked up- I’ve never even used the card and just when I needed it they send me an Email saying they’ve locked my account? Wait…. What? Why? I am working 800 miles from home and have no funds to eat on or get myself lodging because of this. I’ve filed numerous complaints with them only to be sent to another division which does absolutely nothing. Im going to sue them for damages, and for the danger they’ve put me in. They are a horrible company and should be held to the fire over this!

I would like to close both accounts. My accounts has been locked for 3 weeks and every time I contact support they tell me it’s under review and being handled by special division and they will escalate the situation. I’m now behind in my bills because not being able to access my funds. I can not believe this is how customers are treated when filing a dispute! I will be filing a complaint today with the federal trade commission and also filing a police report with the local police regarding this matter. Federal guidelines state that a provisional credit is supposed to be issued and I have full use of the funds. Even though the credit was issued, I have no access to the funds because my account is locked! I feel like this a direct violation of my rights and was done on purpose!

They closed my account for no reason I had to send them proof of who I am, and they still will not reactivate my account, I never received anything about why they closed this account even after submitting all my personal information. This company could at least explain why it was closed I had been using this account for years and just don't understand. I will not recommend them to anyone because this is a bad business practice and I know because we own a business.