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Frequently Asked Questions

Is Credit Karma really free?

Yes. Credit Karma is always free. Credit Karma won’t ask you for your credit card number during the registration process or at any other time.

How accurate is Credit Karma?

Credit Karma is very accurate and totally trustworthy. The main issue causing the discrepancies is the fact that Credit Karma and FICO use slightly different methods of calculating your credit score. Let me explain. There are 2 main models used in the financial industry to determine a persons credit score.

How do you sign up for Credit Karma?

Steps Go to the Credit Karma website. Look for the “Sign Up” button. Enter your email address and create a password. Pick a security question. Enter your personal information. Enter the last four digits of your Social Security Number. Provide pertinent information about yourself. Click on the “Submit” button.

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.

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