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Frequently Asked Questions

Is Credit Karma a truly free service?

Launched on March 8, 2007, Credit Karma is an American multinational personal finance, a totally free service that has been offering a regular monthly credit score. Another service provided is free credit monitoring, federal and state income tax preparation, credit card and loan recommendations.

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.

Is Credit Karma really accurate?

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 it bad to check your credit on Credit Karma?

The short answer is no, using Credit Karma does not lower your credit scores. Credit Karma requests your credit report information on your behalf. This is known as a soft inquiry, and it won’t impact your scores.

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