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Frequently Asked Questions

How accurate is the credit score you see on Credit Karma?

Overall, your Credit Karma score is an accurate metric that will help you monitor your credit - but it might not match the FICO scores a lender looks at before giving you a loan. For a more complete picture of your credit, you can order your FICO scores at

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.

How can Credit Karma be free?

Credit Karma is free to you but it gets compensation from financial companies for tailored product ads presented to members based on their credit profile and high likelihood of being approved.

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