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Frequently Asked Questions

How accurate are Credit Karma credit scores?

The simple response to such uncertainty is that, yes, Credit Karma is both accurate and functional. It will tell you what your credit score is according to one model, as well as what’s on two of your major credit reports, thereby helping you better understand your finances.

Is Credit Karma a legitimate company?

Yes, Credit Karma is a legitimate free website that provides you with your credit score and report, no strings attached. It’s really free, and you don’t need to put in your credit card number or remember to cancel your free trial.

How does Credit Karma really work?

Here’s How it Works. By accessing your credit reports, Credit Karma suggests credit products based on your current history. It also uses your credit score and history to determine which products — credit cards, loans, insurance, and other banking products — come with high approval odds.

What do you need to know about Credit Karma?

Key Takeaways Credit Karma gives you a free credit score and credit report in exchange for information about your spending habits. ... The scores and credit report information on Credit Karma come from TransUnion and Equifax, two of the three major credit bureaus. Credit Karma compiles its own VantageScore based on that information. More items...

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