Credit Karma

Credit Karma

  • Category: Finance
  • Release Date: 2012-07-18
  • Current Version: 20.38
  • Adult Rating: 4+
  • File Size: 135.58 MB
  • Developer: Credit Karma, Inc.
  • Compatibility: Requires iOS 11.0 or later.
  • Rating Count: 2 643 025


Making the most of your credit scores starts here. From spotting identity theft to getting personalized loan and credit card recommendations. Ready to make financial progress? • Check your free credit scores – Learn what affects your credit scores and how you can take control. • Explore the all-new Relief Roadmap - Connect with government stimulus programs, unemployment benefits, debt relief opportunities, loan options and more. • Credit Karma Savings – You worked hard for your money. Now Credit Karma Savings makes your money work harder for you. Open a savings account* in minutes and start earning a high-yield interest rate that’s optimized across a network of 800+ banks. • Free ID monitoring – We help you spot potential identity theft and give you tips for keeping your personal information safer. • Free credit monitoring – Get credit alerts when we see important changes happen to your Equifax or TransUnion credit reports. • Personalized Approval Odds – See which credit card and personal loan offers you’re more likely to get before applying. • Credit card choices – Browse great credit card offers based on your unique credit profile. • All things auto – Tune up your auto loan, save on insurance, see open recalls and find vehicle records. • Home sweet home – Calculate how much home you can afford, see personalized home loan offers and get a mortgage pre-qualification letter. • Credit Karma Tax® - Filing your 2019 state and federal tax returns is 100% free from start to finish, plus you’ll get our Maximum Refund Guarantee**, Audit Defense*** and dedicated support. • Personal loan shopping – Whether you want to refinance credit card debt or borrow for an emergency, we’ll show you personalized offers based on your credit profile. • Search unclaimed money – See if any of the more than $40 billion in unclaimed money has your name on it. Join more than 100 million members and get all these features, and more, for free. Download the Credit Karma app now. DISCLAIMERS *Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. Maximum 6 withdrawals per monthly statement cycle. **If you receive a larger federal tax refund amount or owe less in federal taxes using the same Tax Return Information when filing an amended return through another online tax preparation service, then you may be eligible to receive the difference in the refund or tax amount owed up to $100 (minimum $25) in the form of a gift card from Credit Karma Tax®. For details and eligibility, see ***For details and eligibility, see Exclusions apply. $2781 provided in the Credit Karma Tax phone screen image is the average 2018 Federal tax refund based on data provided by the IRS. $2973 is the average 2018 State tax refund in CA based on data provided by the CA Department of Revenue. Mortgage products and services offered through Credit Karma Mortgage, Inc. NMLS ID# 1588622 | Read licenses at Loan services offered through Credit Karma Offers, Inc., NMLS ID# 1628077 | Read licenses at | California loans arranged pursuant to a California Financing Law license. Insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748).



  • Great for credit scores and reports; bad at finding offers

    By Kcc622159
    Credit karma is great at displaying your credit score and the credit report (very important) but lousy at showing me offers. It for example just showed me I can get a $201/mo auto insurance, which is more than double my current insurance. It's also bad at finding mortgage offers. But still a nice free app for getting your credit score and report. The score isn't a FICO score but it's not far from actual FICO scores. The report is very valuable for looking at what lenders think of your credit worthiness.
  • View Of All My Credit In One Place

    By Desstland
    I totally enjoy the fact that I can view all of my credit in one place and I love the recommendations that has helped me to improve my credit.
  • Review. These reports are awe full. But Experian is good. Why so much discrepancy

    By terrible reports
    These reports do not come close to Experian
  • Never the same

    By BenKohler7
    Can you QUIT changing the layout? I’ve been with y’all from the start and it’s sad that there is a learning curve with each update. This latest update provides very little useful information for myself as a user. I get if you are adding features but a full overhaul each time is ridiculous....
  • My journey

    By my karmar
    Credit karma keep me positive toward my goal I love to look at my progress and my balance and how far I have reach toward rebuilding my credit
  • LOVE

    By amysamo
    CK has singlehandedly helped me get my credit paid off and which cards to apply for with the best introductory offers. And literally SO much more.
  • CK

    By asdfgfhjkl
    Credit karma is great ,very educational .
  • Amazing Site!

    By Wooptie
    I love this site because it lets me know every time someone is looking or doing something that has to do with my credit! They immediately send me an email stating that someone has been checking my credit. Love ♥️ love ♥️ thank you! God bless!
  • Savings Account -Bad idea

    By Piper 018
    I signed up for the savings account. I thought it was a good idea, now it won’t let me even see a balance or statement because it’s wants me to update my address. I’ve updated it a million times and it says every time that my address is not correct. I feel like they are holding my money hostage. No phone number to call I’ve submitted a zillion cases no response ever.
  • Not consistent

    By Alongrifle22
    Your scores are LOW
  • Credit Hal

    By jlaw1513
    I check my credit help me improve
  • Helped me to get where I’m at today

    By Korbinsdad1
    When I’m constantly able to look where and how to better my score (which is bettering myself), it’s changed every way I think and how I do everything.
  • Thank you

    By grmyd
    USAA has been a great help in my husband and I succeeding in wiping out our debt. Thank you.
  • Very helpful

    By Gbrowman
    Very very very helpful and supportive. The encouragement is very heartening. Thank you credit karma peeps!
  • Super helpful

    By Epilina
    Amazing! He really helped my credit and the ads are not as invasive
  • Bad credit cards deals

    By chris $j
    Credit karma bombard you with Credit card offers with ridiculously high interest rates Loans with high interest rates not a good lookCK
  • Problem with Equifax

    By Tedimay
    I have no speaking voice, and a dispute filed with Equifax. Open account they are saying. Acct. has been closed for years. There is no PO here to send proof of residency and ID to prove it is me disputing. Also, I don’t have printer. I need to just email a screenshot. Please get a person to email me. Please. Tedi May
  • Best credit app

    By RS_DRico
    I really loved ck... it gives me the peace of mind i need with my credit with just open up my phone. Try it!!!
  • App won’t let you log in

    By nicccc111
    Just switched devices won’t let me log in.
  • La mejor

    By segueme a @mariposapagan19
    The best
  • Not accurate

    By ve dsdse
    Why do you free this if the scores are way off . You have my score at 735-741 and I just ran a Fico and it’s 680.
  • Great App!

    By SU37Nekros
    Thank You Credit Karma!
  • Perfect

    By cluissiul
    Just perfect
  • Impossible

    By Harleydrifter
    It’s absolutely impossible to to use any of their advertising services to refinance or anything else. I’ll give just one example although I have several. Tried to give the information on refinancing my vehicle. Tells me my vin# is wrong and they don’t even have my vehicle listed in their categories. Waste of time. Also CreditKarmas credit scores are fake. If they show you a credit score of 750 with both Transunion and Equifax be assured they are lying to you. Your true credit score is always 80 to 100 points lower. Absolutely zero integrity on Credit karmas part.
  • Bogus notifications and emails

    By brakiavelli
    My score hasn’t changed in some months. Notifications says it has.
  • Awesome

    By chacheyenne
    Best tool to get your credit right
  • Top Notch Credit App

    By Applejack926
    CK is excellent at keeping me informed about changes to my CREDIT. Very pleased with all of the info I receive. Will definitely recommend CREDIT KARMA to anyone who needs help with their Credit issues.
  • A better score

    By Just 10 More Steps
    Credit Karma has helped me move my credit to a better score. In less than 3 months I added over 60 points to my score. Credit Karma was like playing a game. I would set and develop strategies of ways to make my score go up. My next move is to add an additional crest card that I have no intention of using. Because I learned I don’t need to carry a monthly balance to increase my score!!! Winning!
  • Hey

    By Vaskii 1277
    It’s no letting login It’s said error every time a try to put my pin
  • Logging in

    By mvd74
    Half the time I can’t log in.
  • Totally disappointed

    By Princessjely
    I’ve always enjoyed and recommended this app to all my friends, but today it totally disappointed me, an account of a debt collector appeared on my credit which I had payed off, and when credit karma gives you the option to dispute it, says it’s not available. How can you offer an option you don’t have, very disappointed with you guys.
  • Not accurate

    By marti.e1205
    The app needs work. It doesn’t let
  • Fantastic App

    By Swim Spa Guy
    Keeps me informed every day ... thank you !
  • No iPad App Version

    By cbrownjr
    I use my iPad more than I use my phone. Credit Karma works great on my phone, but looks horrible on my iPad. A version of the app made specifically for iPad would be nice. There would be plenty of screen to display even more information in a singular view. Credit Karma uses Vantage Score 3.0. It would be nice if it could provide the FICO score also or in place of the Vantage Score 3.0. Most of the financial institutions I’ve dealt with use the FICO scores for credit decisions and the scores can be different from the Vantage Score model. Credit Karma is a great tool and I have no plans to get rid of it. The iPad app and FICO score are two ways to take this app from good to great.
  • Easy app

    By sarkisSteve
    It’sthank u
  • iPad support?

    By B00mSh0ckALocka
    Will this ever be a thing?

    By Swaying Ape
    Love CK but they are lacking a horizontal mode for the iPad, is this hard to do guys. GET WITH THE TIMES!!!!
  • Mejoras para los clientes

    By idarme , mi nombre
    Como poderse comunicar por teléfono con ustedes en español y tener comunicación y respuestas a mis dudas , muchas gracias
  • Credit karma is the best. I do like and enjoy it.

    By Jamnamreh22
    Credit karma is the best, I do like and enjoy it very much.
  • Credit Karma is a good app

    By Nickible
    The only but I have about this app is that my credit score is never correct. When I pay out a loan, it shows a decrease in my score instead of an increase. Other than that, i like saving with credit karma and there are a lot of great info related to finance I get from credit karma. I would recommend.
  • Credit

    By bud dad
    Allows easy access to credit score which enables me to decide which accounts to make additional payment
  • I love credit karma

    By Mike Geesy
  • Quick to alert you!

    By Dpwait55
    Credit Karma has been very good for me as to what I needed to do to increase my credit scores! God bless y’all!
  • Syed Hafeez

    By Hafeez Syed
    Best app ever
  • You should also include FICO 8 as a score

    By bergels
    You should also include FICO 8 as a score. Most people probably use this site just before the purchase of a home and most lenders use FICO 8 not vantage 3.0. Otherwise the site is great keep up the good work.
  • 20.38

    By ashreview123454321
    I love this app and use it all the time to help, the new update 20.37 & 20.38 changed the whole layout and it’s so complicated to use!
  • Great experience

    By 1997ejm
    Great layout easy to use I love it
  • They’re always behind with their statuses

    By _beauty_and_the_feast_
    I’ve had things paid off or large balances dropped and their records for weeks on end still show as if nothing was done. Not sure how often they even look to update
  • Review

    By TRichy$
    Credit karma has served its purpose. It’s a great app.