Credit Karma App SupportCredit Karma, Inc.

Credit Karma App Support

4.8
4.84672 star

Total 5,617,190 Ratings

What is Credit Karma? Description of Credit Karma

Get the money app where your hard work pays off with a new credit score, a new credit card or even a new house.

• Check your free credit scores – Learn what affects your credit scores and how you can take control.
• Credit Karma Money™ Spend – A checking experience* with Early Payday.
• Credit Karma Money™ Save – No fees with this interest-bearing savings account.
• Karma Confidence – See personalized offers and know your chances of approval for a personal loan or credit card before you apply.
• Credit card choices – Browse great credit card offers based on your unique credit profile. And thanks to Karma Confidence technology, our members get approved 66% more often.**
• Auto savings and more – Tune up your auto loan, see about saving on insurance, see open recalls and find vehicle records.
• Karma Drive – Track your safe driving score to see if you can unlock lower car insurance rates.***
• Home sweet home – Calculate how much home you can afford, see personalized home loan offers and get a mortgage pre-qualification letter.
• Personal loan shopping – Whether you want to refinance credit card debt or borrow for an emergency, you can compare personal loan offers on Credit Karma (members who compare offers on Credit Karma save an average of 32% on interest rates!).****
• Explore the Relief Roadmap - Connect to government stimulus programs, unemployment benefits, debt relief opportunities, loan options and more.
• Free ID monitoring – Check your free reports to spot potential identity theft and get 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.

Join more than 120 million members and get all these features, and more, for free. Download the Credit Karma app and create your own karma today.


DISCLOSURES

Banking services provided by MVB Bank, Inc., Member FDIC.

§Not a guarantee of approval. Terms and conditions apply. If you're not approved, you can receive a payment from Credit Karma. Full Terms at creditkarma.com/lp/kgterms

*Third-party fees may apply.

**Based on a comparison of Credit Karma member approval rates in 2021 vs national approval rates for general purpose credit cards from 2020 according to the Consumer Financial Protection Bureau’s 2021 Consumer Credit Card Market Report (36%)

***Karma Drive is not available in all states. Sign in the app for availability.

****Based on aggregate member personal loan origination data from July 2020 to December 2020. Estimated average interest rates for members who found personal loans through Credit Karma were compared with estimated average interest rates for members who found personal loans elsewhere. Those members who found personal loans through Credit Karma had estimated interest rates that were 32% lower on average than those who found personal loans outside Credit Karma.

Mortgage products and services offered through Credit Karma Mortgage, Inc. NMLS ID# 1588622 | Read licenses at https://www.creditkarma.com/about/mortgage-licenses.

Loan services offered through Credit Karma Offers, Inc., NMLS ID# 1628077 | Read licenses at https://www.creditkarma.com/about/loan-licenses | 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).


Credit Karma App User Reviews

What do you think about Credit Karma app? Ask the appsupports.co community a question about Credit Karma!

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Credit Karma Pros

Pay off creditors from in-app; add a feature to figure out which score apply whenYou show the Collection Agencies & amounts, but not the phone number and/or a direct link to pay that creditor off. It’d be very helpful to include to phone number & the Collection Agency acct # so users can more quickly pay off & remove from credit the negative-aka; not in good standing-accounts. Also, as the two scores are different & the 113 point difference is making it hard for me to know what scores are used for what things. For example, my credit card uses CreditWise, which matches the lower score on the left side screen, not the high score on the Right side of screen. If I want to get a lease or mortgage, which is used? Are my credit card options based on the lower score? And how do I get a lower APR% recommendations? Maybe you could add an in-app purchase of one’s FICO score or at least add mortgages, loans, & a way to make sure the student loans you don’t have to pay aren’t held against you, making it look like you have more credit debt that you actually have to pay-even if they are in good standing..Burning VanitheeVersion: 4.27

Great App!!I hadn’t checked my credit in over two years. When I finally did through credit karma I was able to see two of the three scores at no fees and dispute several items that were seemed like they were identity theft addresses and various names I did not use. I was able to dispute them directly with credit karma at no charge and it brought my scores up significantly to a point where i was able to get a couple credit cards to build up my credit again which is more than awesome! This app provided everything for FREE I needed to step up my credit game and I still use the app to make sure I don’t have any accounts and names or addresses that aren’t mine since using the app to clear all of that crap up which took a few weeks at most! Usually the disputes happen within days. It also helped me view collections accounts I wasn’t aware of and helped me to clear that up as well! I’m so thankful for this app! You go credit karma! And thank you!.Momgmelimel2100Version: 22.7

✓   Credit Karma Positive Reviews

Credit Karma Cons

It’s a decent starting pointI’ve used this app for well over a year and a half. It’s a good free starting point to learn what’s effecting your credit. After reading articles outside of this app, I learned steps needed to improve my credit. Credit Karma helped with the basics (account balances, when creditors reported to the bureaus, etc.). When I refinanced last year I saw that Credit Karma was showing 40-50 point less than what the bank pulled. So, I kept this in mind moving forward. A few months ago I worked on boosting my score 40 points or so, continued to use Credit Karma with the understanding their scores are not accurate... recently I subscribed to FICO for my scores, and yes Credit Karma is anywhere from 30-60 points lower than FICO actual (depending on which of the 2 scores CK provides). Bottom line, Credit Karma is a good starting point for people looking to improve their scores. Just keep in mind the scores they provide are not accurate but the other reporting data is pretty much on target (balances, dates bank report info to the credit bureau, etc.). Good luck, getting into the understanding of how FICO scores work and working on improving them really can change your consumer behavior for the best!!!.Loralye_XOVersion: 5.57

Recommendations are crapGood for keeping track of your credit report, but the recommendations they give you are absolute rubbish. They recommend cards I already have. Other times they tell me I have no chance of getting cards I am constantly preapproved and prequalified for. They also recommend cards I can’t get prequalified for. Not sure why they continue to recommend credit one and first progress despite the fact that I have nearly 700 score. They need to have a way where we can set preferences. I’m tired of getting recommendations that I will absolutely never ever ever ever ever ever ever ever ever ever ever use. It wouldn’t matter if my credit score were 430! I would never use credit one or first progress or Merrick bank. I understand that they make recommendations based off of who sponsors their site, but you would think they would have the smallest amount of integrity in their recommendations since they claim to help people rebuild their credit. I would never recommend any of those places. So many fees, no grace periods, the list goes on. Please allow us to set preferences for our recommendations because I’m tired of getting them for cards I will never use..Smiller816Version: 21.26

✗   Credit Karma Negative Reviews

Is Credit Karma legit?

Yes. Credit Karma is 100% legit to us. This conclusion was arrived at by running over 5,617,190 Credit Karma user reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, AppSupports Legitimacy Score for Credit Karma is 91.9/100.


Is Credit Karma safe?

Yes. Credit Karma is quiet safe to use. This is based on our NLP analysis of over 5,617,190 user reviews sourced from the IOS appstore and the appstore cumulative rating of 4.8/5. AppSupports Safety Score for Credit Karma is 94.4/100.


Should I download Credit Karma?

There have been no security reports that makes Credit Karma a dangerous app to use on your smartphone right now.


Credit Karma Screenshots

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Product details of Credit Karma

App Name:
Credit Karma
Developer:
Credit Karma, Inc.
Legitimacy Score:
91.9/100
Safety Score:
94.4/100
Content Rating:
4+ Contains no objectionable material!
Category:
Finance, Productivity
Language:
EN   
App Size:
119.79 MB
Price:
Free
Bundle Id:
com.creditkarma.mobile
Relase Date:
18 July 2012, Wednesday
Last Update:
12 December 2022, Monday - 19:29
Compatibility:
IOS 14.0 or later

Credit Karma 22.50 Update Note
✱ Version History

Thanks for using Credit Karma! Our app is regularly updated to make it easier for you to track your financial progress. This version includes a number of performance improvements and squashes a few small pesky bugs. Stay tuned for more updates and....

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