Credit KarmaReviews 187

I really don't know where to begin but I can guarantee you that this company is a complete waste of time. The crazy part is your information is not safe because as soon as you register, you start getting spam messages from credit card companies. I introduced my sis to them which was a mistake I regret but thankfully we finally got our credit fixed all thanks to Spirassp01 on instagram and my sister was finally credit worthy to buy a house.

I have an excellent Credit Score, pay every thing on time and ahead of time, pay as I go. And If I put one thousand dollars on My AMEX and pay them before they are due CK docks me five points on my Credit Score because I spent 1K. They don't event wait to see if I am going to default. They should be looking at my bank account and be offering me lines of credit instead of hitting my credit. Every thing Paid up 100% for every $500 spent it's at least 5 credit points.

I have a Credit Karma account. I learned that they do not allow VPN users to login to their site. So, I quit using them back last year. I figured enough time had passed and maybe they changed their policy about VPN users. Well that is not the case. So, I chatted with a real person from Credit Karma. I explained my issue and that I had no intention of disabling my VPN (security) to login to their account. Yes I had to disable my VPN to be able to talk to someone about this. The person I spoke with said they have no intention of allowing VPN at this time. So, I said I will not be logging into their site anymore. I said, if you change your policy about this, let me know and I would consider using them again. You know it's sort of funny that they tell you of data breeches when they happen but when it comes to the added security of VPN, they don't allow it. Even banks have changed their policies on VPN, understanding that more and more people are using VPN to enhance their security. I guess Credit Karma does not care about their users security. If you have VPN and have a Credit Karma account, you should consider not using it anymore until they change their policy on this issue. Credit Karma does have some good services but not at the expense of your security. For those who don't have VPN, I suggest you get it. Safer with it than without it.

I signed up for Credit Karma free. I read most of the promotional blabber they provided and signed up at the end of TurboTax 2023. It sounded OK.
NO NO NO. IT IS NOT OK!
Within less than 24 hours I had received 2 or more unsolicted spams from credit card companies. That has been followed by daily spams from other companies I would have no interest in. That was not happening before I signed up for Credit Karma. I do not have hard evidence linking this sudden flood of SPAM to Credit Karma, but you be the judge.
I strongly recommend that you trust nothing about Credit Karma unless you have no regard for your privacy.
And since this was offered as a freebee after purchasing TurboTax 2023, I can find no proof of purchase to attach.

This place didn't keep my information or money safe. Worst banking app ever used the worst customer service ive ever dealt with and I do not recommend this banking app to anyone they are very unhelpful. The thief's name was all over my account and they still denied my disputed transactions. This banking app is one of worst banking apps out there. They don't do anything to protect your money or your information I've been trying to close my account sense cause who knows what information the thief has of mine but they won't close my account says they have to contact a higher level of people. Again worst banking app ever and highly suggest you do your banking business elsewhere cause this place is a joke when it comes to protecting your information and your money. Do bussiness here and you might just be a victim of fraud just like me.

App is not working - can't log in. Trying to resolve for over a month. Not resolved. Customer service is non existent. Find another app you trust with your credit scores - this one sucks

If there a star less than one I would leave it I have tried to cancel my membership my times and I still get emails and even my sent me a credit card which I did not want or ask for it. All I want from them to go away and have know contact with me.

I had a couple of basic questions re how Credit Karma works after I had to move over from Mint (can you download transactions to a spreadsheet and can you search for a specific transaction). I spent over 45 mins to get those answered and the answer was "no". Please don't waste my time when you could have answered my basic questions quite quickly. Ugh.

I don't know where to start with this, its just that bad. I was a long time mint user and the fact that intuit thought this was even close to an alternative makes me question if they like being in business. Credit Karma tracks your credit score every day because who needs that kind of frequency? Either you have good credit and you don't really care about day to day fluctuation or you are working on your credit and real change doesn't happen over night, either way its not really necessary. The whole account is basically just a big scam to ram credit card offers down your throat. Everything links back to an advertisement for a new credit card. I used mint to track my spending across multiple accounts and by categories but credit karma refreshes my spending once a month and literally only lists the balance on that day, NOTHING MORE. IF you want anything more than this you have to sign up for their checking and spending accounts through them, and if you do that it still offers minimal information despite your "premium account" designation. It does offer some tips on how to improve your credit usage that may or may not be personalized but it usually directs you back to applying for a new credit card. It kept suggesting I upgrade my credit accounts and the offers it gave me had less rewards than I was already earning. The whole thing is sad and desperate, makes me really question Intuit's whole operation.

Wow! What a horrible downgrade. I've been forced out of Mint and forced to use Credit Karma. After being told the functionality would be there... Its just horrible.

The Good: Credit History. Net Worth.
The Bad: No tracking bills, No tracking budget, No tracking manual loans, No reports that you can customize, No almost everything that Mint provided.

Do yourself a favor and find a different service.

https://share.newsbreak.com/5lzq1xhe

Check out this link people. Hopefully it is good. You were told to get a card and your credit got messed up check into it. Good luck. I guess you're trying to make things better.

I had been a customer for a while. My account was defrauded, no help from them. I'm done with them.

Credit karma sent me a email saying if I wanted a new card I could check credit cards without it affecting my credit score. It was a lie as soon as I checked it my scores dropped over 30 points. Now they trying to lie again. I will be going over to credit sesame. I have Capital one. All my cards are paid on time. They will do everything to keep your credit down. Transunion immediately drop my score after I checked it. It was a prequalify for a card. Which shouldn't have affected my credit at all. So stop lying credit karma. Transunion is the worst of the three credit company's. And credit karma help them to make your credit bad.

Hard inquiry means someone ran a credit check on you, like a thief looking to open accounts in your name. Credit Karma notified me in May 2023 of a hard inquiry on my Equifax report. I checked it out. An fraudulent account had been open and a purchase made. A lot of work and time was spent to fix this so my 815 credit score wasn't damaged. Problem is, Credit Karma now thinks that since I responded so quick to their "hard inquiry" mail, they can just use "hard inquiry" to get my attention fast instead of "hey look at this deal" email.
I don't appreciate their scare tactics, so I contacted them. I asked that they show me the actual "hard inquiry". The reply I got was an email telling me what Credit Karma does as a service. In other words, we couldn't care less about you because we're only in it for the money and we'll continue to do as we please. Avoid this company.

The customer service is horrible. I have been trying for 3 days to get ahold of someone and there is no help. They locked my card and I don't have access to my funds and no one has answered nor returned my card.

You can't replace a linked account to a credit karma account, even if it is closed. Their support doesn't help. Had to close my account to get them to send me my money. Terrible company to bank with!

I applied for a credit card using Credit Karma app. It was a Karma Guarantee. I was denied but never received $50. Now the same card is recommended as OUTSTANDING. A pure scam. Credit Trash is my name for them now.

Do not put money on a CK debit card. If ur money gets taken, they automatically deny ur claim. All foreigners are handling ur money concerns. Do not risk it. U will never be able to speak to a manager or an American! I am very disappointed. One operator pretended to escalate my concerns and when l called back, l found out nothing was done. I received an email telling me to contact the vendor who frauded me. Horrible! I stopped my automatic deposits. Your money is not safe with these monsters!

Truth is Credit Karma has helped me balanced my credit by keeping me alert to make my on time payments and by alert me of any due bills I might have that's upcoming.When I started this journey with Credit Karma my credit was in a very bad place and was terrible! My score then was in the 300 range very very poor. Credit Karma helped me to get rid of my negative debt and resolve with many creditors any outstanding balances. I love Credit Karma for helping me maintain all my good statue's I worked on to keep all my asset's in great shape. For the record I've been approved for many credits cards through the Credit Karma App saying my approval odds are good or great for certain cards and loans but Credit Karma bases your score of what you could be approved for and doesn't guarantee that a bank will approve you because there are certain credentials you have to have to get that credit or loan. These words are my words that I say and I stand behind Credit Karma 150%

Although they say they're current, they are not. For example: I've had one credit card paid off for over 2 weeks and it still shows I owe about 50 percent of the limit. Credit Karma says they update daily. That is tough because I'm trying to monitor my credit so I can use it better.